沈阳市职工医保个人账户购买商业健康保险研究

Analysis on the Medical Savings Account of the Shenyang Urban Employee Purchasing Commercial Health Insurance

目的:从改进个人账户出发,梳理和总结沈阳市城镇职工基本医疗保险(以下简称职工医保)个人账户购买商业健康保险的典型经验,为我国个人账户改革完善提供政策建议。方法:利用沈阳市医保局的相关政策和职工医保个人账户专属产品的资料,对职工医保个人账户专属产品的设计、销售与服务管理进行经验总结与前瞻分析。结果与建议:应探索发展职工医保个人账户专属产品、优化产品结构与服务流程、充分利用互联网等科技力量。

Objective: In order to improve the medical savings account, it summarized and analyzed the typical experiences of employee medical insurance private account in Shenyang, so as to provide policy suggestion on improving private account in China. Methods: It collected the policy and the exclusive commercial health insurance, summarized and analyzed the product design, marketing, customer support and service management. Results and Conclusion: It needed to explore the exclusive commercial health insurance, optimize the product structure and service process and ultimate the internet.