[1]李玉华.普惠性商业医疗保险的实践及路径优化研究[J].卫生经济研究,2024,41(10):20-23.
　LI Yuhua.Study on the Practice and Path Optimization of Inclusive Commercial Medical Insurance[J].Journal Press of Health Economics Research,2024,41(10):20-23.
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普惠性商业医疗保险的实践及路径优化研究

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
41
期数:
2024年10期
页码:
20-23
栏目:
医疗保障
出版日期:
2024-09-30

文章信息/Info

Title:
Study on the Practice and Path Optimization of Inclusive Commercial Medical Insurance
作者:
李玉华1
1.广东技术师范大学，广东 广州 510400
Author(s):
LI Yuhua
Guangdong Polytechnic Normal University, Guangzhou Guangdong 510400, China
关键词:
普惠性商业医疗保险; 多层次医疗保障体系; 惠民保; 路径优化
Keywords:
inclusive commercial medical insurance;  multi-level medical insurance system;  Huimin insurance;  path optimization
分类号:
R19；F840.684
文献标志码:
A
摘要:
普惠性商业医疗保险在我国多层次医疗保障体系中具有特殊的价值功能，已经成为推动商业健康保险与基本医疗保险协同合作的重要工具。广州市有两款普惠性商业医疗保险产品——“穗岁康”和广州惠民保，分别是政商合作型和商业保险机构运营型商业健康保险的代表，在实践过程中存在的一些共性问题，需要从完善顶层制度设计、明确产品保障范围、加强政商协同合作、规范产品推广宣传等方面优化发展路径。
Abstract:
Inclusive commercial medical insurance has a special value function in multi-level medical insurance system in China, and is expected to become an important tool for promoting synergistic cooperation between commercial health insurance and basic medical insurance. In Guangzhou, there are two inclusive commercial medical insurance products - "Suisuikang" and "Guangzhou Huimin Insurance", which are the representatives of commercial health insurance operated by government-business cooperation and commercial insurance institutions respectively, and there are some common problems in the process of practice. It is necessary to optimize the development path from improving the top-level system design, clarifying the scope of product protection, strengthening government-business cooperation, and standardizing product promotion and publicity.

参考文献/References:

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更新日期/Last Update: 2024-09-30