摘要
1982年重大疾病保险在南非诞生,此后迅速进入英、美及新加坡等国。重大疾病保险类型可分为独立型、提前给付型与增额给付型,三者内容一样但表现方式不同,各有优缺点。总体来看,英国等国家商业重大疾病保险具有一定局限性,医生和患者的道德风险依然不可避免,且保障病种具有一定局限性。
1982 serious illness health insurance, was born in South Africa and then quickly into Britain, the United States and Singapore and other countries. Serious illness health insurance types can be divided into Stand-alone model, Acceleration model and Additional Benefit model, three as content, but showed different ways, each have advantages and disadvantages. Overall, British and other countries business serious illness health insurance has certain limitations, the doctor and patient moral risk is still inevitable, and security diseases have certain limitations.
出处
《中国医疗保险》
2012年第10期69-71,共3页
China Health Insurance
关键词
国外
重大疾病保险
abroad
serious illness health insurance
