论发展我国非营利民营医疗保险制度

A study on the system of developing China's non-profit private health insurance

中国已经建立并正在完善多层次医疗保障体系,但同时也遇到了由于多支柱医疗保险制度之间的巨大差异所带来的困难和问题。为此,本文首先提出我国应走一条"基本+补充",同时大力发展非营利民营医疗保险的"中间型"的发展医疗保险制度的新途径;其次探讨了英国、美国、澳大利亚和印度等国非营利民营医疗保险组织的发展经验,并总结了非营利民营医疗保险组织的一般特征;最后,文章就中国如何具体发展非营利民营医疗保险介绍了几点思路。

China has established a multi-level health care system. However, this system has confronted with some problems because of the huge difference between different levels of medical insurance plans. This article proposed that China should introduce a new model of ＂compulsory ＋ supplementary＂ medical insurance system and develop a non-profit private health insurance to as an ＂intermediary＂ supplement. Some countries such as Britain, the USA, Australia and India have successful experiences in developing non-profit private health insurance, from which we can summarize some common features of these organizations. In the end, the author put forward some concrete suggestions for developing the non-profit private health insurance in China.