论商业医疗保险和社会医疗保险的有效衔接毕业论文精选.doc

论商业医疗保险和社会医疗保险的 有效衔接 Study of commercial medical insurance and society medical insurance effective engagement 摘 要 现阶段我国的医疗保险体系主要由社会医疗保险和商业医疗保险组成。商业医疗保险是指因身体伤残、疾病或医疗费用发生损失时，由保险人提供一次或者定期给付的保险。它由商业性保险公司经营，是投保人或被保险人的一种自愿行为。社会医疗保险是指由国家负责建立的为解决劳动者因疾病、负伤和生育而暂时丧失劳动能力后因治疗和生活问题而给予经济帮助的，具有国家强制性质的一种社会保障制度。商业医疗保险和社会医疗保险同属风险防范和风险转移机制，具有相同或类似的基本原理和运作机理，但是它们在性质、价值目标、补偿方式、保障水平、承保能力和范围方面都有很大的不同。 如今随着市场经济的发展和医疗制度的改革，人们的医疗负担开始加重，无论是从理论还是从实践来看，采取有效的措施商业医疗保险与社会医疗保险能带来良好的社会效应和经济效益，也是我国医疗保障制度改革的方向，At this stage of China's medical insurance system mainly by the social medical insurance and medical insurance business component. Commercial medical insurance is because of physical disability, illness or medical expense losses, the insurance provided by one or periodic payments of insurance. It consists of commercial insurance operations, the insured or the insured person is a voluntary act. Social health insurance is responsible for the establishment of the State to address the workers due to illness, maternity and wounded and temporarily lost the ability to work due to treatment and life issues and to help the economy, with the mandatory nature of a national social security system. Commercial medical insurance and social health insurance belong to risk prevention and risk transfer mechanisms with the same or similar and the basic principles of operation of the mechanism.but they are in the nature, value objectives, compensation, the level of underwriting capacity and scope are very different . Now with the development of market economy and the reform of the medical system, people began heavier burden on the health care, either from the theory from practice, take effective measures to attain the commercial medical insurance and social medical insurance can be a good convergence of social effects and economic benefits to China's medical insurance system for the direction of the reform, only social medical insurance and medical insurance business in the clear between the two operating range, c