珠海非营利补充医疗保险的思考.pdfVIP

观察思考躏醋蘸 珠海非营利补充医疗保险的思专 张笑天王霞张国斌 (珠海医疗保险研究会珠海 519000) 【摘要】 大病医疗保险本身就是基本医疗保险的一个组成部分，保大病的关键是要建立起合理 的保险服务包和多层次的医疗保险体系。补充医保引入商业保险的意义在于引入市场机制，形成政府加 市场的医疗保险之路。补充医保运营的最佳方式是非营利保险，它能综合社会保险和商业保险的优势， 克服和减少两者的缺陷。 【关键词】补充医疗保险;基本医疗保险;商业医疗保险;非营利医疗保险 【中图分类号】 f840.684 C913.7 【文献标识码】 A 【文章编号】 1674-3830(2013)12-21-3 doi: 10. 369/j. issn. 1674-3830.2013. 12.6 Reftec蝇。Ißsond配N侃吨阳幽tS吨耶b皿盟臼町HeaI由Insurance ofZhubai xiω，tian Zhang, Xiawl吨， Guobin Zhang (Zhuhai Health Insurance Research Association ,Zhuhai , 519000) AbstractJ Critical illness insurance itself is a part of the basic medical insurance. The key to against Critical illness is to establish a reasonable insurance package and multi-level health insurance system. The importance of introducing commercial insurance into the supplementary health insurance is to introduce market mechanism , and to form the health insurance model with the combination of gove口lß1ent and market characteristics. The non-profit insurance is the best way to operate the supplementary health insurance , which could integrate the advantages of social insurance and commercial insurance , but overcome and reduce the defects ofthem. l Key wordsl supplementary health insurance , basic medical insurance , commercial health insurance , non- profit insurance 1 ..大病医疗保险与基本医 珠海补充医疗保险制度于2013 一步保障的一项制度性安排，是减 年 3 月 l 日正式实施，它标志着珠 轻人民群众大病医疗费用负担，解 疗保险 海医疗保险体系的完整构架已经形 什么是大病医疗保险 ? 决因病致贫、因病返贫问题的迫切 成。鉴于在基本医保与大病保险 2012 年 8 月六部门出台的《关于开