社会医疗保险与商业医疗保险的互动研究——以再保险为实现途径的视角

Social Health Insurance and Medical Insurance Business Interaction Study——To Reinsurance Way to Achieve Perspective

社会保障由以国家为主体的社会保障和以商业公司为主体的商业保障构成,但由于保障水平、运行模式、执行主体、管理模式等不同导致二者都出现了自身难以克服的弊端。本文从医疗保险方面入手,着眼于再保险在社会医疗保险和商业医疗保险方面的探索,进而研究如何通过再保险达到社会医疗保险与商业医疗保险互动双赢的局面。

＂Social Security＂ is our country＇s overall national security system, which by the country＇s main social security and to commercial companies as the mainstay of the business pose a security, but because of the level of protection, running mode, the main implementation, management different result there have been both difficult to overcome their disadvantages. In this paper, which will start with medical insurance, reinsurance focus on the social health insurance and medical insurance business of exploration, to study how to further achieve social insurance and health insurance business health insurance interactive win-win situation.