摘要
2020年以来,普惠型商业医疗保险产品凭借低门槛、低保费、高保障等优势获得了广泛关注。本文根据政府参与程度差异将普惠型商业医疗保险划分为政府主导型、政府指导型及政府支持型三种模式,结合地方实践对其代表性产品进行系统考察,认为政府介入程度不同的产品在普惠性上存在一定差异。基于此,本文结合我国台湾地区、美国以及新加坡推行普惠型商业医疗保险的经验,进一步提出补齐政策短板、政府积极引导、保险公司精细化运营等建议。
Since 2020,inclusive commercial medical insurance products have gained lots of attention with the advantages of low threshold,low premium and high coverage.This article classifies inclusive commercial medical insurance into government-led,government-directed,and government-supported models based on differences in the degree of government involvement,and systematically examines their representative products in the context of local practices,concluding that products with different degrees of government involvement to some extent differ in terms of Inclusiveness.Based on this,this article combines the experience of Taiwan Province of China,the United States and Singapore in improving the Inclusiveness of commercial medical insurance,and further proposes to make up for the shortcomings of policies,offer active government guidance and support fine operation of insurance companies.
出处
《中国医疗保险》
2023年第6期113-120,共8页
China Health Insurance
关键词
普惠型商业医疗保险
多层次医疗保障体系
运营模式
inclusive commercial medical insurance
the multi-level healthcare security system
operation mode
