论文部分内容阅读
保险公司积极布局健康服务产业链条的背后,仍面临盲人摸象、运营模式尚不清晰的尴尬。一方面,医疗健康服务业专业性很强,且大型医院门槛高,控股或参股一两家大型医院所需资金可能动辄数亿甚至数十亿元:另一方面,国内保险公司并没有经营大型医院或者医疗中心的经验,营利模式不清。即便对一两家医院实现成功运营,保险公司还面临一个难题,如何解决对公司客户全面覆盖的问题。盈利或需十年对于总资产已经超过1000亿元的阳光保险集团来说,25亿元的投资并不会造成巨大的经济负担。但要想取得回报,可能需要等待更长的时间。根据业内观点,险企投资医院需要在前期进行大规模投入,而且盈利周期比较缓慢,一般需要七八年时间。此外,作为一个前无古人的先例,阳光保险投资医院的风险有多大,对偿付能力的影响有多大,目前还都是未知数。一家中型寿险公司已对医疗产业调研了三年,因为无法解决投资回报率的问题,一直没敢出手。该公司一位人士表示,“医疗是整个市场化改革过程中进度最慢的领域,投资风险很大。”“这也是为什么长期以来,保险公司在这方面的想法很多,但真正
Behind the healthy layout of the health service industry, insurance companies are still faced with blind touch and unsure business models. On the one hand, medical and health services are highly specialized and the threshold of large hospitals is high. Holding or participating in one or two large hospitals can cost hundreds of millions or even billions of dollars. On the other hand, domestic insurance companies do not operate large-scale Hospital or medical center experience, profit model is unclear. Even with the successful operations of one or two hospitals, insurers face a dilemma of how to solve the problem of full coverage of corporate clients. Profitable or Decade For the Sunshine Insurance Group, which has total assets of more than 100 billion yuan, a 2.5 billion yuan investment will not cause a huge financial burden. But to get a reward, you may need to wait longer. According to the industry point of view, investment in insurance companies need large-scale investment in the early stage, and the profit cycle is relatively slow, generally takes seven or eight years. In addition, as an unprecedented precedent, how much risk Sunshine Insurance invests in hospitals and how much it affects the solvency, which are still unknown to date. A medium-sized life insurer has been investigating the healthcare industry for three years because it has not dared to get rid of the problem of not meeting the ROI. One company official said: ”Medical care is the slowest area in the entire marketization reform process, and the investment risk is very high." This is why insurers have long had a lot of thought in this respect, but real