私人医疗保险成中国众多企业投资热点

Gaming firms, real-estate companies and drug makers in China are chasing what they hope will be the country's next hot commodity: private health insurance.

我国的游戏、地产和制药公司正竞相介入私人医疗保险领域，他们期望私人医疗保险将成为国内下一个热门商品。

At least 29 publicly traded Chinese companies have announced plans to invest in commercial insurance businesses since 2015.

2015年以来，国内至少有29家上市公司已经宣布要向商业保险企业投资的计划。

Health insurance is an area where affluent Chinese families are ramping up spending.

医疗保险是中国富裕家庭正在增加支出的一个领域。

The China Insurance Regulatory Commission estimates that premium income for private health insurers jumped by 94% in the first seven months this year.

据中国保监会估计，今年前7个月，私人医疗保险公司的保费收入飙升了94%。

That topped the last year's already substantial 52% surge, fueled by policy incentives and China's rising prevalence of chronic conditions like heart disease.

而且这是建立在去年已然大增52%这个基础之上的，是政策激励和心脏病等慢性疾病患病率在中国不断上升的结果。

"The growth is sustainable because all the drivers will continue to be there, especially the demand for health care services," said Luo Ying, partner and managing director at consultancy Boston Consulting Group.

波士顿咨询公司的合伙人兼董事总经理罗英表示：“这一增长是可持续的，因为其背后的所有推动因素都会存续下去，特别是对医疗服务的需求。”

In an August report, BCG and insurer Munich Re estimated that the market measured by premium income will more than quadruple from 240 billion yuan ($36 billion) last year to 1.1 trillion yuan by 2020.

在8月份的一份报告中，波士顿咨询与慕尼黑再保险估计，到2020年，中国商业医疗保险市场规模将从2015年的2,400亿元人民币（360亿美元），增长逾三倍至1.1万亿元。

Burdened by the rising cost of its vast public health system, China has for years sought to encourage private company entrants.

受庞大公共医疗系统的成本上升所累，中国多年来都寻求鼓励民营企业进入这个领域。

Those efforts gained a substantial boost recently from a 31-city trial program, which provided an income tax exemption on insurance premium payments, albeit for only up to 2,400 yuan a year.

覆盖31个城市的商业健康保险个人所得税试点项目，尽管每年个税税前扣除金额只限2400元，最近仍然显著提振了商业医疗保险市场。

Companies venturing into health insurance range from drug manufacturer Kangmei Pharmaceutical Co and physical check-up chain Meinian Onehealth Healthcare Holdings Co to even property developer Suning Universal Co and Dalian Zeus Entertainment Group Co, which develops online games.

进军医疗保险领域的公司既有制药商康美药业，也有体检连锁机构美年大健康，甚至还有地产开发商苏宁环球集团和开发网络游戏的大连宙斯娱乐集团。