保险公司投资医疗机构对保障农民健康权利的积极作用探究

The Analysis of the Insurance Companies′ Positive Role in Health Care Institution Investment to Protect the Health Rights of Peasants

我国是一个农业大国,9亿多农民的健康权利不容忽视,目前我国的新型农村合作医疗模式存在保障程度低等问题,不能完全满足农民的健康诉求。商业保险公司的商业健康保险能够作为新型农村合作医疗的有益补充,减轻我国农民沉重的医疗费用负担。商业健康保险公司在农村地区直接投资医疗机构或控股参股医疗机构的行为,可以有效遏制农民接受医疗服务的不公平性;促进农民持续较快增收,提高农民生活水平;促进我国农村发展管理式医疗,以此来更好地保障我国农民的健康权利诉求。

China is a large agricultural country,having over 900 million peasants,whose health rights should be paid great attention to.But at present there are several problems of China′s New Rural Cooperative Medical System(CMS),which can not fully satisfied the health demands of the peasants.The commercial insurance especially commercial health insurance can serve as a useful complement to the new rural CMS,reducing the heavy burden of medical expenses of peasants.Commercial health insurance companies can directly invest in or hold shares of the rural medical institutions,which can effectively help the peasants to avoid unfairness of medical services,sustain the income increase,improve their living standards,and promote the development of Chinese managed care in rural area.So as to meet the health demands of the peasants much better.