摘要
惠民保是一项由政府支持引导,保险公司承保,并联合多元服务主体共同推出的,集普惠与商业属性于一体的新型健康保险模式。本文对浙江省11个地市惠民保实施情况进行研究发现,浙江省惠民保参保率较高、政府支持力度较大、产品设计相对完善。基于政策可持续性、参保可持续性、基金可持续性、经办管理可持续性四个维度,本文分析了惠民保可持续性发展存在的挑战,并提出对策建议。
The city-customized commercial health insurance(huimin insurance)with the feature of inclusiveness and commerciality is an innovation of commercial health insurance,which is guided by government,underwritten by insurance companies and supported by multiple service providers.This paper studies the implementation of huimin insurance in 11 cities in Zhejiang Province and finds that the participation rate of humin insurance in Zhejiang Province is relatively high,government support is strong,and the product design is relatively perfect.Based on the sustainability of policy,insurance participation,fund,and operation and management,this article analyzes the challenges in the sustainable development of humin insurance and proposes countermeasures and suggestions.
出处
《中国医疗保险》
2023年第4期113-120,共8页
China Health Insurance
基金
浙江省医疗保险研究会委托课题“关于商业补充医疗保险健康可持续发展的研究”(202115号)的阶段性成果。
关键词
惠民保
可持续发展
产品设计
制度定位
huimin insurance
sustainable development
product design
institutional orientation
