商业保险与社会医疗保险合作的困境与发展路径

Dilemma and Development Path of The Cooperation Between Commercial Insurance and Social Medical Insurance

社会保险和商业保险既有竞争性又有互补性,二者可以合作共赢。但是在实践中,由于政策风险、商业保险公司自身管理能力不足等问题,其合作并不顺利。为此,政府要从宏观上把握社商合作的"度",逐步完善利益调节机制,给商业保险公司更多的自主性;商业保险公司也要明确自己的业务发展空间,增强风险控制意识和能力,提高服务管理水平,从而走得更远。

Social insurance and commercial insurance are both competitive and complementary, they can cooperate and win-win. But in practice, the cooperation is not smoothly,As a result of policy risk, lack of management ability of commercial insurance companies,and so on.So, The government should clearly delineate the boundaries between the two kinds of insurance, grasp the degree of the cooperation from the macro level,gradually improve the interest adjustment mechanism, and strengthen the reform of the hospital. These measures can promote the cooperation to continue to run. Commercial insurance company also need to make clear their own development space, enhance awareness of risk control and ability, improve service management level, so as to go further.