金吾财讯 | 华泰证券研报指，以提升医保基金使用效率为目标的DRG/DIP支付改革稳步推进，改变了医疗机构的行为模式。医院控费意愿上升，在有限预算下以医保目录内的药械完成住院诊疗流程成为最优解。对于有支付力的消费者，通过购买“独立型”商业医疗保险（商保）以获得医保目录外的药械可能成为强需求，或给中端医疗险带来发展机遇，新增保费有望达到百亿乃至千亿级别。各国长期发展经验表明，经济增长将推动健康支出加速上升，公共医保始终是健康支付的主角；私人部门商保在多数国家处于辅助角色，如果有强制购买的制度性安排，长期看或有较大发展空间。
该行建议关注平安(02318)、太保(02601)、友邦(01299)、人保(01339)。
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