商业健康险有助于消除就医中隐性的社会成本。21CBR:MSH CHINA在国内的产品定位高端健康险,目前的客户群体也大都是中高净值人群。在国内的医疗体系中,又有医保提供基础医疗保障,健康险对我们来说更多是奢侈品还是必需品?张园:目前大家提到的高端健康险,应该叫做国际医疗险,因为在保人员可以到国外的医院,或者前往环境比较好的私立医院看病,于是在中国有了“高端”健康险这个说法。我 Commercial health insurance helps to eliminate the hidden social costs of medical treatment. 21CBR: MSH CHINA Positioning high-end health insurance products in the country, the current customer base are mostly high-net-worth people. In the domestic medical system, there are health insurance to provide basic medical insurance, health insurance is more for us, luxury or necessities? Zhang Yuan: At present we mentioned the high-end health insurance, should be called the international medical insurance, because the insurance Staff can go to a foreign hospital or go to a private hospital with better environment to see a doctor, so in China there is a saying of “high-end” health insurance. I