Discussion on the implementation of mental health insurance in China under the background of “Healthy China 2030”
“健康中国2030”背景下中国心理健康险实施途径探讨

摘要

本文在“健康中国2030”框架下，探讨了中国心理健康保险的实施路径。尽管心理健康服务需求增长，但供给不足，且公众心理健康素养普遍偏低。国家政策的支持为心理健康服务的发展提供了方向。然而，医保覆盖的心理治疗项目有限，商业健康保险中的心理健康服务可及性不高。文章提出了改进对策，包括设计普惠型保险产品，采用综合评估方法减少道德风险，并提升公众心理健康意识。这些措施旨在提高心理健康服务的覆盖率，降低成本，最终提升国民心理健康水平。

Abstract

Under the framework of "Healthy China 2030", this paper discusses the implementation path of mental health insurance in China. Despite the growing demand for mental health services, the supply is inadequate and the public mental health literacy is generally low. National policy support provides direction for the development of mental health services. However, the coverage of psychological treatment programs is limited, and the availability of mental health services in commercial health insurance is not high. This paper puts forward some countermeasures, including the design of inclusive insurance products, the use of comprehensive assessment methods to reduce moral hazard, and the promotion of public mental health awareness. These measures aim to increase the coverage of mental health services, reduce costs, and ultimately improve the nation's mental health.