经济与管理
經濟與管理
경제여관리
Economy and Management
2009年
2期
84~87
,共null页
大额补充医疗保险 运作模式 合作经营
大額補充醫療保險 運作模式 閤作經營
대액보충의료보험 운작모식 합작경영
catastrophic supplementary medical insurance; developing model; cooperation manage
大额补充医疗保险是针对基本医疗保险统筹基金最高支付限额以上部分进行补偿而建立的保险形式。苏州、石家庄和山东三地的大额补充医疗保险运作实例，代表了现有的三大主流大额补充医疗保险运作模式。大额补充医疗保险未来合理的发展模式主要是医疗保障部门与保险公司合作经营，工会、行业或企业与保险公司合作也是一条重要途径。
大額補充醫療保險是針對基本醫療保險統籌基金最高支付限額以上部分進行補償而建立的保險形式。囌州、石傢莊和山東三地的大額補充醫療保險運作實例，代錶瞭現有的三大主流大額補充醫療保險運作模式。大額補充醫療保險未來閤理的髮展模式主要是醫療保障部門與保險公司閤作經營，工會、行業或企業與保險公司閤作也是一條重要途徑。
대액보충의료보험시침대기본의료보험통주기금최고지부한액이상부분진행보상이건립적보험형식。소주、석가장화산동삼지적대액보충의료보험운작실례，대표료현유적삼대주류대액보충의료보험운작모식。대액보충의료보험미래합리적발전모식주요시의료보장부문여보험공사합작경영，공회、행업혹기업여보험공사합작야시일조중요도경。
Catastrophic supplementary medical insurance is designed to pay for the part of the compensation which is above the maximum payment limit. Through research on Suzhou, Shijiazhuang and Shandong as examples, we are trying to find out the operation models of the three main models. We can foresee the realistic developing model of catastrophic supplementary medical insurance, that the medical insurance sector cooperating with insurance companies is the main model. Unions, industry or company cooperating with the insurance company is also an effective way.
