城乡居民大病保险疑难问题之法理透析.pdfVIP

第35 卷总第146 期 科学·经济·社会 Vol.35 , Sum No.146 SCIENCE. ECONOMY. SOCIETY 2017 年第1 期 No.l , 2017 城乡居民大病保险疑难问题之法理透析 曹克奇 (山西大学法学院，太原 03∞06) 摘 要:城乡居民大病保险面临着补充医保还是基本医保的定位难题，公私合作还是公私不分的经办难题，以及公 司型还是基金型的监管难题，通过对《社会保险法》第 3 条保基本原则的法理阐释，公私协力理论以及公益信托 理论的学理分析，当下，我国城乡居民大病保险应定位于基本医疗保险，坚持医保基金的公益性，构建公平竞争的 经办制度环境，按照信托理论重新梳理政府与经办机构的关系。 关键词:城乡居民大病保险;商业健康保险;保基本;公私协力;公益信托 中图分类号:F403 文献标志码:A 文章编号: 1006-2815(2017)01-0090-09 A Legal Perspective of Difficult Problems of the Major Disease Insurance Scheme for Rural and Non-Working Urban Residents CAO Ke-qi (Law School 01 Shαnxi University , Taiyuan ,030006) Abstract: The major disease insurance scheme for rural and non-working urban residents face positioning problem of sup- plementary health insurance or basic medical insurance , the agency problem of public private partnership or public private mixture , and the regulation problem of company type or fund type. Based on legal interpretation of the third article basic protection principle of social insurance law and theoηanalysis of public-private partnership as well as public trust , at pres- ent , the major disease insurance scheme for rural and non-working urban residents in china should be defined in the basic medical insurance , adhere to the public of the medical insurance fund , build fair competition environment , make clear the relationship between government