“商业健康保险复杂难做”、健康保险产品同质化严重”、“健康保险的逆选择风险难以控制”等等观念,几乎充斥着我国整个商业健康保险行业。然而,面对前景广阔的健康保险市场,任何一家保险公司都不会放弃寻求解决问题的办法,也不会停止开拓这块市场的步伐。在寻求解决健康保险 The concept of “commercial health insurance is complicated and difficult to do”, and the homogeneity of health insurance products are serious, “and” the adverse selection risk of health insurance is difficult to control ", etc. are almost filled with the entire commercial health insurance industry in our country. However, Insurance market, any insurance company will not give up the way to find a solution to the problem, it will not stop the pace of development in this market.In the search for health insurance