商业医疗保险的现状分析及其合理定位的政策构想

Current situation and policy ideas of rational function of the commercial medical insurance

该文从构建职工医疗社会保障体系以及社会医疗保险与商业医疗保险体系相互衔接与功能互补的角度，从商业医疗保险的可能性入手，通过对商业医疗保险的现状、特点、意向等的分析，认为商业医疗保险在补充医疗保险体系中并非无所不能，提出商业医疗保险的局限正是其他保险主体合理定位的方向，并作了初步的政策构思，为构建补充医疗保险体系提供依据。

In view of constructing employee social security system and mutual interaction and complement of social medical insurance and commercial medical insurance,by analysis the current situation,characteristics,intentions and possibility of commercial medical insurance,it was thought that commercial medical insurance would be an important component part of supplemental medical insurance system.Rational function definition of commercial medical insurance is to be shaped,primary policy ideas is plotted out,which provide basis for building supplemental medical insurance system.