河南大额补充保险与“大病保险”异同点分析--兼论社会保险与商业保险共同发展.pdfVIP

专题报道 - 河南大额补充保险 与大病保险异同点分析 一一兼论社会保险与商业保险共同发展 韩志奎张秀玲董振廷毛蕾 (河南省人力资源和社会保障斤郑州 450018) E摘要】 河南省.在实施职工基本医保时，各统筹地区同步建立了大额医疗费补充保险制度;实施城 镇居民基本医保时， 1 8个地级市中有16个同步建立大额医疗费补充保险，自愿参加，个人(家庭) 缴 费。 两项补充保险运行稳定，发挥了减轻群众负担的作用。 目前社保与商保的矛盾焦点在于混淆与错 位， 二是?均有误区。 政府应该集中精力办好基本医保，充分发挥其保大病的制度功能;社会特殊保障需 求包括多种形式的补充保险应该由市场去办。 【关键词】 大额补充保险; 大病保险 【 中图分类号】 f840.684 C9 13.7 【文献标识码】 A 【文章编号】 1674-3830(2013)1 0一19-4 dOÎ: 10.369/j . 邸n. 1674- 3830.20 13. 10.3 Systematic Comparison of Henan Large Supplementary Insurance and Serious I lI ness Insurance一-with a Discussion of the Common Development of Social Security and Commerciallnsurance Zhikui Han, Xiuling Zhang, Zhenting Dong, Lei Mao (Department of Human Resources and Socia1 Security ofHenan Province,Zhengzhou, 450018) ( Abstract l Whi1e the Henan Province imp1emented the emp10yee basic medica1 insurance , 1arge supp1ementaly insurance was a1so estab1ished simu1taneous1y in 16 cities in 18, with a po1icy of vo1untary and persona1-fami1y based payment. Both of the supp1ementary insurances were operating stab1y, aHeviated the medical cost burden of citizens. The contradiction between the socia1 security and commercia1 msurance is the ambiguity of their concepts . The govemment shou1d concentrate on the basic insurance, rea1ize its function of financia1 support on serious illness, whi1e the demand of specia1 socia1 security, including various type of supp1ementary insw.ance, cou1d be operated by the market. Key wordsl 1arge supp1ementruy insurance, serious illness insurance 1 问题的提出 开展城乡居民