社会保障研究
社會保障研究
사회보장연구
SOCIAL SECURITY STUDIES
2013年
4期
92-98
,共7页
基本医疗保险%商业健康保险%商保机构%公共物品供给
基本醫療保險%商業健康保險%商保機構%公共物品供給
기본의료보험%상업건강보험%상보궤구%공공물품공급
basic health insurance%private health insurance%private insurance institutions%public goods supply
本文从国际经验借鉴的角度，根据基本医疗保险体系中的商业参与程度，选取了瑞士、澳大利亚和日本三个国家，对其基本医疗保险体系的特点和商业参与方式进行了阐述和总结。商业参与基本医疗保险这一公共物品的供给，是社会经济发展的必然，也是政府与市场的共同选择。当前，我国需要处理好政府部门与商保机构的衔接和职能分工，以提高基金运行效率、并维护参保者的合法权益。
本文從國際經驗藉鑒的角度，根據基本醫療保險體繫中的商業參與程度，選取瞭瑞士、澳大利亞和日本三箇國傢，對其基本醫療保險體繫的特點和商業參與方式進行瞭闡述和總結。商業參與基本醫療保險這一公共物品的供給，是社會經濟髮展的必然，也是政府與市場的共同選擇。噹前，我國需要處理好政府部門與商保機構的銜接和職能分工，以提高基金運行效率、併維護參保者的閤法權益。
본문종국제경험차감적각도，근거기본의료보험체계중적상업삼여정도，선취료서사、오대리아화일본삼개국가，대기기본의료보험체계적특점화상업삼여방식진행료천술화총결。상업삼여기본의료보험저일공공물품적공급，시사회경제발전적필연，야시정부여시장적공동선택。당전，아국수요처리호정부부문여상보궤구적함접화직능분공，이제고기금운행효솔、병유호삼보자적합법권익。
From the point of view of international experience and on the basis of commercial participating degree in the basic health insurance system,this paper selects Swiss,Australia and Japan as three examples,whose basic health insurance system and the characteristics of commercial participation are discussed and summarized. This paper argues that commerce involving in the supply of basic health insurance,which is regarded as public goods,is the necessity of the development of social economy,as well as the common choice of the government and the market. At present, China needs to handle well the linking and segregation of duties between government departments and private insurance institutions,in order to improve the efficiency of health funds’ operation and to safeguard the interests of beneficiaries.
