欧美国家的医疗保险制度比较及启示

Comparison and Enlightenment of Medical Insurance System in European and American Countries

本文以欧美国家的三大医疗保险制度为例,从制度所涉资金来源、医疗领域支出、保险购买方式、政府参与程度、保障水平、救助制度、公平性及效率性等方面作比较分析,以启示发展与我国医疗保险制度的完善。

Taking the three major medical insurance systems in the United Kingdom, Germany, and the United States as examples, this paper makes a comparative analysis on the following aspects: sources of funds involved in the system, medical expenditure, purchase mode ofmedical insurance, government participation degree, security lev. el, relief system, equity and efficiency , etc., and draws beneficial enlightenment for the improvement and develop. ment of medical insurance system in China.