商业医疗保险和社会医疗保险的责任定位研究

On Responsibility of Orientations of Commercial Medical Insurance and Social Medical Insurance

世界各国由于国情不同,其对商业医疗保险和社会医疗保险的责任定位也不相同。不同国家的商业医疗保险和社会医疗保险的责任定位对我国均有一定的参考意义。我国可以借鉴日本、美国和英国三个国家的商业医疗保险和社会医疗保险不同的责任定位,结合国情,首先明确我国商业医疗保险和社会医疗保险的责任定位,其次从国家、保险机构和消费者三个方面提出如何发展商业医疗保险,在充分发挥对医疗保障的补充作用的基础上带动我国医疗保障体系发展得更加全面和完善。

Due to different national conditions,countries in the world have different positions of responsibility for social medical insurance and commercial medical insurance.The responsibility positioning of commercial medical insurance and social medical insurance in different countries has certain reference significance for China.China can learn from the different responsibilities of commercial medical insurance and social medical insurance in Japan,the United States,and United Kingdom,and combine with China′s national conditions to give the following countermeasures and suggestions.Firstly,we should clarify the responsibility positioning of China′s social medical insurance and commercial medical insurance.Secondly,we put forward how to develop commercial medical insurance from the three aspects of the state,insurance institutions and consumers.Thirdly,we should give full play to the supplementary role of medical security to drive the development of China′s medical security system to be more comprehensive and perfect.