Analysis On The Commerciality Supplements Of Medical Insurance

Supplement the medical insurance, as the second level in the medical security system of three levels, in some developed industrialized country, own to become main pillar and enterprise that medical treatment ensure attract talents' important means, and form a set of steady systems and normal management methods only. Though our country issued relevant regulations and policy as early as ten years ago, developed extremely slowly actually. It is the important component of supplementing the medical insurance that the commerciality supplements the medical insurance, at present, begin to implement the basic medical insurance system in all district, but lag behind relatively in setting up commerciality and supplementing the medical insurance, cause some existing medical level of consumption high specific trade and unwilling to join the basic medical insurance enterprise, even effect an insurance , will produce some suggestions because the locality supplements the medical insurance policy incompletely, develop commerciality and supplement the medical insurance only and very urgent in a more cost-effective manner.Main research approach: First, the method to compare. Compare China and foreign relevant situations, purpose lie in use for reference those suit I national conditions experience of benefiting of condition. Meanwhile, also compare the situation of our country horizontally, find the question existed. Second, count the analytical method. Through the relevant data analysis , have probed into the necessity that the commerciality supplements medical insurance development.This thesis has the following characteristic and place of innovation mainly: (1) Proceed from actual conditions of China, has proposed supplementing localization of the institutional improvement of medical insurance and basic policy orientation; (2) Propose that different crowds, implement the conceptual design of different methods , form the pluralistic development model; (3) Through practice investigation and analysis supplement to our country current situation of the development of medical insurance there is a preliminary understanding , have put forward one's own countermeasure to the existing problem.This text is divided into five parts mainly. First part study for the intension that the commerciality supplements the medical insurance. The article has carried on science todefine to the intension that our country supplemented the medical insurance, then launch analyzing the logic relation of supplementing medical insurance and social medical insurance of the commerciality, point out commerciality supplement medical insurance can divide into supplement and supplement two heavy respect of range to a certain extent as an addition to social medical insurance. Carried on the introduction to the main commercial medical insurance kind that nowadays appeared finally.Second part has recommended the commerciality to supplement the role in security system of medical treatment of the medical insurance. Article ensure system go on history review to of our country medical treatment first, and has recommended the medical treatment of our country to ensure the reform course of the system, point out that it accords with medical treatment and ensures the reform request for the system that the commerciality supplements the medical insurance, expound the fact finally that the commerciality supplements the medical insurance and ensures five pieces of main function among the system reform in our country's medical treatment.The third part supplements the current situation of medical insurance development and existing problem for the commerciality of our country. Have explained ten big problems appearing in the present commercial medical insurance development of our country mainly; have put forward some suggestions on the development of the commercial medical insurance products on this basis.The fourth part have introduced the main successful experience on the institutional improvement of medical insurance of developed country, such as U.S.A., Germany and Japan, etc. separately, is it is it suit to our country national conditions medical insurance system of development have which draws lessons from the meaning to set up to analyze.The fifth part has put forward the suggestion of supplementing the medical insurance of commerciality of our country of developing to the present current situation, point out that the commercial medical insurance of our country has a bright future, need developing in a more cost-effective manner.