国外社会医疗保障与商业健康保险衔接概述

The Connection between Social Medical Insurances and Commercial Health Insurance in Foreign Countries and the Enlightenment for China

世界上大部分国家的商业健康保险与社会医疗保障之间存在着千丝万缕的衔接关系。本文首先简单回顾了医疗保障的分类,尤其是社会医疗保障与商业健康保险的不同之处。然后从商业健康保险相对于社会医疗保障的四个定位角色,阐述了世界上主要国家在两种保障模式之间的衔接。文章建议从商业健康保险的基本性,重复性,附加性和补足性四个角度来探索中国式商业健康保险与社会医疗保障的创新合作之道。

There are complex connections between commercial health insurances and social medical insurance in most countries of the world. This paper briefl y reviews the sorts of health insurance, especially the difference between commercial and social medical insurance, and then based on four roles of commercial health insurance versus social medical insurance, it elaborates the connections between the two kinds of health insurance in other countries. From the aspects of fundamentality, repetitiveness, additivity and complementarity in commercial health insurance, the author suggests exploring an innovative and cooperative way between commercial and social medical insurance of China.