多层次医疗保障的国际比较与启示

International Comparative Analysis and Enlightenment of Multi-level Medical Security

发展多层次医疗保障是完善我国多层次社会保障体系建设的重要内容,有利于分担基本医疗保险制度压力,增强其基金的可持续性。本文从全民覆盖的视角,按照法定医疗保险、私人或商业医疗保险、医疗救助的逻辑结构,对国外国家卫生保健服务模式、社会医疗保险模式、商业医疗保险模式以及个人储蓄保障四种典型国家医疗保障制度进行全景式框架性描述分析。有关结论和建议对建构和完善我国多层次医疗保障体系建设具有一定的参考借鉴价值。

Developing multi-level medical security is an important part of improving the construction of multi-level social security system in China. It is conducive to sharing the pressure of basic medical insurance system and enhancing the sustainability of its fund. From the perspective of universal coverage and according to the logical structure of statutory medical insurance, private or commercial medical insurance and medical assistance, this paper makes a panoramic framework description and analysis of four typical national medical security systems: national health care service model, social medical insurance model, commercial medical insurance model and personal savings guarantee. Relevant conclusions and suggestions have certain reference value for the construction and improvement of China's Multi-levelMedical Security System.