Mental health insurance status and countermeasures
心理健康保险现状及对策研究

摘要

本文旨在探讨中国健康保险中心理健康服务的现状及存在的问题，并寻求心理健康保险的发展方向。通过访谈法和问卷调查法，研究发现心理健康保险在中国存在必要性，但面临设计和推行的多重挑战。调查结果显示，商业健康保险中心理健康服务的需求率高，但风险评估困难和公众偏见等问题阻碍了其发展。本文提出了两款心理健康保险产品的设计——心理重疾险和心科险，并建议通过创设全民心理健康意识氛围、形成多方联动综合发展机制、设立完善多样的风险防范机制等措施来推动心理健康保险的发展。

Abstract

This article aims to explore the current situation and existing problems of mental health services in China's health insurance, and to seek the development direction of mental health insurance. Through interview and questionnaire survey methods, the research found that mental health insurance is necessary in China, but it faces multiple challenges in design and implementation. The survey results show that the demand rate for mental health services in commercial health insurance is high, but problems such as difficult risk assessment and public prejudice have hindered its development. This article proposes the design of two mental health insurance products - mental critical illness insurance and mental health insurance, and suggests promoting the development of mental health insurance through measures such as creating a national mental health awareness atmosphere, forming a multi-party linkage comprehensive development mechanism, and establishing a complete and diverse risk prevention mechanism.