我国商业保险经办政府委托医疗保障管理服务模式的问题及建议

Problem and Suggestion on Model of Health Care Insurance to the Government Commissioned of Commercial Insurance

目的推动商业保险参与经办政府委托医疗保障管理业务的健康快速发展,为我国健康保障体系提供更好的服务。方法利用分析研究法,对我国保险业参与基本医疗保障经办服务中存在的问题进行分析,进而提出商业保险经办政府委托医疗保障管理服务的建议及对策。结果与结论在商业保险经办政府委托医疗保障管理服务中,需要政府部门进一步明确鼓励和扶持的具体政策,规范基本医疗保障经办管理服务业务的市场秩序;经办保险机构应不断完善管理制度和流程,提高经办服务质量。

Objective Promote the commercial insurance involve and corporate with the business of government authorized health care management system development,to provide outstanding services for our health care system.Methods Utilize analytic research methods to analysis the problem and obstruction in the process of commercial insurance corporate with the social basic health care system.Further give suggestion and strategies how to provide outstanding services of the commercial insurance handling the government authorization health care system business.Results and Conclusion In order to the commercial insurance could provide excellent services in the government authorization health care business,which requires the government formulates policies to encourage and support the commercial insurance company to be involved,the regulation department should construct and regulate the insurance market environment,the insurers should construct institution and process to improve the services quality,and better tax policies preferred