国外基本医疗保险体系中的商业参与——兼论公共物品供给

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。

Foreign Experience of Commerce Involving in the Basic Health Insurance System and Comments on the Public Goods Supply

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.