试论医保部门在“惠民保”发展中的责任和作用

Discussion on the Responsibility and Role of the Healthcare Administration in Developing the People-friendly Commercial Supplementary Medical Insurance

惠民型商业补充医疗保险(惠民保)是商业健康保险的一种产品形态,商业健康保险是多层次医疗保障体系的重要组成部分,近年来得到了快速发展。医疗保障部门应当厘清在开展惠民保工作中的责任,发挥引导、推动、支持、规范作用,在宣传、数据、筹资、结算等方面给予支持帮助,促进惠民保健康可持续发展,织密医疗保障的网络,满足群众多样化的需要,同时要注重数据安全、基金安全等风险的防范。

The people-friendly commercial supplementary medical insurance(Huimin insurance) is a product form of commercial health insurance, which is an important part of the multi-level medical security system and has developed rapidly in recent years. Medical security departments should clarify their responsibilities in carrying out the work of Huimin insurance, play the role of guidance, promotion, support and standardization, and give support and help in publicity, data, financing, settlement to promote the healthy and sustainable development of Huimin insurance, build a dense medical security network to meet the diverse needs of the masses, and pay attention to the prevention of risks such as data security and fund security.