浅析商业保险和社会保险融合发展的必要性及对策-以大病医疗保险为例.docx

PAGE 5 浅析商业保险与社会保险融合发展的必要性及对策-以大病医疗保险为例 摘要：众所周知，医疗保险是社会保险的的一部分，给公众提供医疗方面的保障。从90年代以来，我国就不断完善社会医疗保障制度，医疗保险制度的覆盖群体也在不断的扩大，群众的医疗保障水平也在不断的提高和保障的范围也在逐渐增大。目前已初步形成了以社会保险为主，商业保险作为补充的保障体系。但是，从总体上看，我国的医疗保障制度还是存在保障范围仍有死角，保障水平参差不齐等问题；特别是在大病医疗保障方面，社会保险的占比较高，已经无法满足很大一部分人民群众的保障需求，商业保险由于保险深度和保险密度较低，还不能发挥其对居民因为疾病造成经济损失的补偿作用。所以居民在不幸罹患大病的时候，往往都会自掏腰包支付高昂自付费用，导致家庭面临着因病致贫，因病返贫的经济风险。 本文先简单分析了本课题的研究背景和意义，接着分析了商业保险和社会保险的异同和两者融合现状；并以大病医保为例，参考相关学者的观点，分析商业保险和社会保险在大病医保方面融合的必要性，以及在当前情况下，二者融合存在的问题，并从政府优化融合发展环境，积极宣传、商业健康保险自身保障方面提出相应的对策。 关键词：商业保险、社会保险、大病医保、融合发展  On the necessity and Countermeasures of the integration development of commercial insurance and social insurance Abstract: As we all know, medical insurance is a part of social insurance, which provides the public with medical insurance. Since the 1990s, China has been carrying out continuous reform of the medical insurance system, so the social medical insurance system in China is constantly improving, the coverage group of the medical insurance system is also constantly expanding, and the level of the masses medical insurance is also constantly improving and the scope of the security is also gradually increasing. At present, it has initially formed a security system with social insurance as the main part, commercial insurance and personal savings as the auxiliary. However, in general, there are still some problems in Chinas medical security system, such as the dead angle of the coverage and the uneven level of security. Especially in the aspect of medical security for serious illness, the proportion of social insurance is relatively high, which can no longer meet the security needs of a large part of the people. Because of the low depth and density of insurance, commercial insurance can not play its role for residents Compensation for economic losses caused by diseases. Therefore, when the residents unfortunately suffer from a serious disease, they often pay high out of pocket expenses, leading to the economic risk of poverty caused by