社会医疗保险改革对商业健康保险发展的影响

On the Influence of the Reform of Social Medical Insurance upon the Development of Commercial Health Insurance

社会医疗保险与商业健康保险可以相互替代、相互补充。我国当前正在进行的社会医疗保险改革强化了被保险人个人的医疗责任,减轻了政府医疗负担,对于商业健康保险的发展具有积极影响,也给商业健康保险带来了广阔的发展空间和有利的发展契机。

Social medical insurance and commercial health insurance can be substituted for and complement each other. Deepening the reform of social medical insurance places emphasis on the insurants' medical responsibility and lightens the medical burden on the government, which exerts a positive influence on the development of commercial health insurance and shows a turning point favorable to the development.