补充医疗保险的实际运作:四个国家比较

Practical Implement of Supplementary Medical Insurance:Compare Four Countries

世界医疗保障制度模式主要包括以英国为代表的全民医疗服务模式、以德国为代表的社会医疗保险模式、以美国为代表的商业医疗保险模式以及建立在储蓄制基础上的新加坡中央公积金模式。英国、德国、美国和新加坡各自的医疗保障制度模式下其补充医疗保险的内容即参保对象、资金筹集、基金管理和待遇支付各不相同。英国、德国、美国和新加坡各自的医疗保障制度模式下其补充医疗保险的发展提供了丰富的值得借鉴的国际经验。

The development of basic medical insurance have already got some essential progress, but the development of the supplementary medical insurance is lagged relatively in China. The model of national health service represented by the United Kingdom, the model of social medical insurance represented by the Germany, the model of private medical insurance represented by the United States and the model of mediating insurance based on the Central Provident Fund represented by the Singapore consist of the contemporary model of medical insurance inthe world. The supplementary medical insurance content namely the insured, contribution, management of fund and reimbursement related to the different model of medical insurance in United Kingdom, Germany, U.S and Singapore is different. Many international experiences can be got from the development of supplementary medical insurance related to the different model of medical insurance in United Kingdom, Germany, U.S and Singapore.