健康保险健康发展的路径探析

Analyzing the Path to the Development of Health Insurance

目的:分析健康保险发展的基本历程、健康保险健康发展面临的问题及解决问题的出路。方法:对健康保险的发展历程、现状及存在的问题,主要运用文献分析法、实地访谈法等方法获取相关资料,进行分析研究。结果:我国健康保险缺乏"健康发展"的核心内涵,健康保险的公平性欠缺,基本医疗保险与商业健康保险的协同性不足,还存在一些影响发展的具体问题。结论:促进健康保险的健康发展,需要更新健康保险的发展理念和内涵,推动健康保险制度的公平性建设,促进基本医疗保险与商业健康保险的协同发展,多措并举推动健康保险健康发展。

Objective To analyze the basic course and problems of the development of health insurances, and put forward countermeasures. Methods The basic course, status and problems of the development of health insurances were studied with litera- ture analysis and field interview method. Results There had some problems in health insurances in China, such as absence of core connotation of ＂healthy development＂ and equity, and insufficient coordination between the basic medical insurance and commer- cial health insurance. Conclusion Some effective measures must be taken to promote the sound development of health insurance, including updating the concept and connotation of the development of the health insurance, promoting the fairness of health insur- ance system construction, advancing the coordinated development of the basic medical insurance and commercial health insurance, and taking comprehensive measures.