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BCG:2024破解健康经济学困境:保险公司在医疗成本上涨与激励机制失衡中的转型之路(英文版)(15页).pdf

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1、Resolving the Health Insurer Impasse in the Health Economics Dilemma October 2024 By Yamin GroeningerBoston Consulting Group partners with leaders in business and society to tackle their most important challenges and capture their greatest opportunities.BCG was the pioneer in business strategy when

2、it was founded in 1963.Today,we work closely with clients to embrace a transformational approach aimed at benefiting all stakeholdersempowering organizations to grow,build sustainable competitive advantage,and drive positive societal impact.Our diverse,global teams bring deep industry and functional

3、 expertise and a range of perspectives that question the status quo and spark change.BCG delivers solutions through leading-edge management consulting,technology and design,and corporate and digital ventures.We work in a uniquely collaborative model across the firm and throughout all levels of the c

4、lient organization,fueled by the goal of helping our clients thrive and enabling them to make the world a better place.BOSTON CONSULTING GROUP 1Resolving the Health Insurer Impasse in the Health Economics DilemmaMelanie was turning 57 when she was diagnosed with mid-stage breast cancer.At the time,s

5、he was a patient in her hospitals gynaecology department.Despite her diagnosis,Melanies transfer to oncology happened only three months later,by which time her cancer had progressed.Her family later discovered the transfer had been requested by a doctor but was delayed by the department chief to mee

6、t revenue targets.Melanies husband and daughter faced numerous treatment suggestions for her cancer,most of which were not covered by her health insurance plan.Although the family had a reasonable income,they paid what they could to keep her alive.Melanie passed away at age 58,13 months after her di

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本文主要探讨了医疗保健行业中的健康经济学困境,特别是保险公司与医疗机构之间的矛盾。文章首先通过一个案例,描述了患者在医疗保险和医疗保健系统中的困境,强调了医疗保健系统应该以患者为中心,而不是以收入为中心。接着,文章分析了医疗保健市场的特殊性,包括需求弹性小、供应有限、信息不对称等,导致市场失灵。文章还讨论了医疗保健成本与人类生产力的关系,指出医疗技术的进步并没有降低医疗成本。此外,文章还探讨了医疗保健系统中的激励机制,包括保险公司、医疗机构和患者之间的利益冲突。最后,文章提出了保险公司向合作伙伴转型的路径,包括投资于生态系统、利用数据和技术、改善客户体验等。
健康保险如何解决医疗通胀? 医疗保健市场如何平衡供需? 健康保险如何成为亚洲增长引擎?
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