摘要
商业健康保险与医疗保障制度密切相关，两者既相互替代、相互影响，又相互融合、各有所长。从国际发展趋势看，政府提供或强制推行的医疗保障的保障水平逐步降低，保障范围越来越小，其责任主要是保障基本医疗需求；与此同时，商业健康保险呈快速发展的态势，不仅弥补了社会医疗保险供给的不足，而且丰富和完善了整个国家的医疗保障体系。我国商业健康保险复业于上世纪80年代初，经过二十多年的发展，覆盖人群逐步扩大，业务规模迅速增长；经营主体不断增加，产品供给日益丰富；服务领域日益拓宽，社会影响明显扩大。借鉴国际经验，我国商业健康保险应走专业化的创新发展之路，要树立专业化发展理念，加大产品创新力度，务实行业发展基础，营造良好发展环境。
Commercial health insurance is closely related to medical care system. The two not only replace and affect each other but also integrate into each other and complement each other with their respective strong points. According to the international developing trend, the level of medical care supplied or enforced by government is decreasing and the range is narrowing down to basic medical needs. Meanwhile, commercial health insurance is developing rapidly which not only makes for up the limited social medical insurance but also perfects the national medical care system. Commercial health insurance bussiness in China was resumed in the beginning of 1980s. Its customer base keeps growing while its business continues to expand in the last two decades. Meanwhile the operation body is increasing, the supply of products is diversifying, the service is expanding and the social influence is growing. Using the experiences of other countries for reference, the commercial health insurance in China should follow a specialized and innovative way to develop, set up a specialized development concept, enhance product innovation, consolidate the foundation for further development and create a good development environment.
出处
《保险研究》
CSSCI
北大核心
2006年第5期6-8,共3页
Insurance Studies
关键词
商业健康保险
医疗保障制度
专业化
发展理念
创新力度
发展基础
发展环境
commercial health insurance
medical care system
specialization
concept of development
innovation dynamic
development base
development environment
