摘要
商业健康保险最能体现保险的社会管理功能,在我国多层次医疗保障体系建设中发挥着愈加明显的重要作用。本文从促进健康保险发展的行业监管角度,提出应将商业健康保险作为与产险、寿险并列的第三领域实施单独监管。本文详细分析了健康保险的专业经营特点,阐述了对健康保险实施单独监管的必要性,明确了单独监管的基本内容并提出了相关政策建议。
Commercial health insurance best reflect the social management functions of insurance. It increasingly plays a more important role in building a multi-layer medical care system of the country. With a view of promoting the development of health insurance through the industry supervision, this paper proposed to implement separate supervision on health insurance as a third area side by side with property insurance and life insurance. It comprehensively analyzed the special characteristics of health insurance operation and objectively explained the necessity of the separate supervision, and pointed out the basic scope of separate health insurance supervision and the supervision system which complied with the industry development.
出处
《保险研究》
北大核心
2011年第9期26-30,共5页
Insurance Studies
关键词
单独监管
健康保险
专业化经营
separate supervision
health insurance industry
professional operation
