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Analysis: China’s Private Health Insurance Push Runs Into Obstacles

By Ding Feng, Wu Yujian and Jonathan Breen
2026年04月22日 16:32
Product design and system fragmentation continue to constrain the sector’s expansion

China is seeking to elevate commercial health insurance into a stronger pillar of its health care system, but structural weaknesses continue to limit its role.

After nearly a decade of rapid growth, the sector’s premium income approached 1 trillion yuan ($140 billion) last year, still short of the 2 trillion yuan target set in 2020.

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