论我国大额医疗保险的商业化运作

我国现行低水平的社会基本医疗保险,已经逐渐使许多人感到保障不足,"广覆盖"目标很难实现。商业医疗保险是对我国社会医疗保障体系必要而有益的补充,实现商业医疗保险与社会医疗保险的融合对接,不仅是社会基本医疗保障的发展趋势,也是商业保险公司发展的必然选择。我国商业保险公司经营大额医疗保险还处于起步阶段,但前景非常广阔。商业保险公司应积极抓住发展机遇,树立长期经营和微利、间利观念;加强相关基础研究,注重经营数据积累;增强自身风险控制能力等,积极探索和完善大额医疗保险制度。

On the Commercial Operation of Large-Amount Medical Insurance in China

Because of the current low level of basic social medical insurance in China, many people have come to feel inadequate protection, "Wide Coverage" target is difficult to achieve. Commercial medical insurance is the necessary and useful supplement to Chinese social security system. The integration docking of commercial medical insurance and social medical insurance is not only the development trend of basic social medical insurance, but also the natural choice of the development of the insurance business company. The operation of the large medical insurance in Chinese commercial insurance companies is still at the initial stage, but the prospects are very bright. Commercial insurance companies should seize the development opportunities actively, establish the concept of long-term operation, meager profit and indirect profit and so on, strengthen the basic research, focus on operational data accumulation, and increase its ability of control risks, explore and perfect the large medical insurance system.