完善我国商业健康保险法制的若干思考

Some Thoughts on Improving Commercial Health Insurance System

本文分三个方面,就我国刚刚确立起来的三大社会基本医疗保险(城镇职工基本医疗保险、城镇居民基本医疗保险和新型农村合作医疗保险)之外的商业健康保险作了一个比较系统的阐述,对商业健康保险法制的形成、发展中遇到的问题、完善商业健康保险法制的一些措施做了分析,对我国保险法理论和实务的发展阐述了自己的思考。

This paper is divided into three aspects and it makes a more systematic exposition on the commercial health insurance besides our country's three basic social medical insurance(urban workers,urban residents and new rural cooperative medical system).This paper analyses the formation and the problems of the development of the commercial health insurance system in recent years.It also analyses how to develop and improve the commercial health insurance system.Finally,it elaborated its thought on the theories and practice of Chinese insurance law.