新加坡多层次医疗保障体系特点及启示

Characteristics of Singapore's Multilayered Healthcare System and Its Implications for China

新加坡是世界上卫生支出较低的国家之一,其卫生系统曾被评为亚洲最高效的卫生系统,在全球也处于领先水平。本文研究了新加坡“倒金字塔式”的医疗保障体系及其演进过程,分析了该体系下的多种医疗费用支付方式,包括政府补贴、终身健保计划、长期护理保险计划、保健储蓄计划、商业健康保险、患者自付和共付、保健基金计划等,并总结了新加坡医疗保障体系的特点,为我国构建多层次的医疗保障体系,健全医疗费用分担机制提供了参考。

Singapore is one of the countries with the lower healthcare expenditure in the world,and its healthcare system has been rated as the most efficient one in Asia,ranking among the leading systems globally.This article studies Singapore's"inverted pyramid"healthcare system and its evolution,analyzing various methods of payment under this system,including the Subsidy,the MediShield Life,long-term care insurance,the MediSave,commercial health insurance,out-of-pocket payments,co-payments and the Medifund.It summarizes the characteristics of Singapore's healthcare system,providing a reference for constructing a multi-layer healthcare system and improving the healthcare cost-sharing mechanism in China.