浅析我国商业健康保险对社会医疗保险的补充作用

社会医疗保险和商业健康保险共同构成了我国的医疗保障体系,其中社会医疗保险是基础,商业健康保险是必要补充。目前,我国商业健康保险业务量小,覆盖率低,对医疗费用的分担少,因此其对社会医疗保险补充作用的发挥程度较低,这是由医疗保险所针对风险的特殊性所决定的。为了充分发挥商业健康保险对社会医疗保险的补充作用,必须加强政商合作,实行专业化经营,加强人才培养,构建有吸引力的医保合作框架,针对特殊风险进行业务创新等。

Brief analysis of the commercial health insurance's supplement to social health insurance in China

Social health insurance and commercial health insurance together constitute the medical security system in China, of which, the social health insurance is the foundation, commercial health insurance is a necessary complement to it. In China, the commercial health insurance has a small business volume, covering a relatively small crowd, and sharing few to the medical expense, therefore its contribution to the social health insurance as a supplementary role is very limited. This is determined by the specificity of risk that the medical insurance covers. In order to strengthen the supplement function of commercial health insurance, we must enhance the cooperation between the government and business, put the specialized management into practice, strengthen the personnel training, construct attractive cooperation framework between the medical and insurance, carry on the service innovation for special risk and so on.