[1]马振涛,郎 堃,林 琛.商业健康保险嵌入多层次医疗保障体系： 定位作用与改善进路[J].卫生经济研究,2024,41(11):32-35,39.
　MA Zhentao,LANG Kun,LIN Chen.Commercial Health Insurance Embedded in Multi-level Medical Security System: Positioning Role and Improvement Approach[J].Journal Press of Health Economics Research,2024,41(11):32-35,39.
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商业健康保险嵌入多层次医疗保障体系： 定位作用与改善进路
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
41
期数:
2024年11期
页码:
32-35,39
栏目:
医疗保障
出版日期:
2024-10-31

文章信息/Info

Title:
Commercial Health Insurance Embedded in Multi-level Medical Security System: Positioning Role and Improvement Approach
作者:
马振涛1; 郎 堃1; 林 琛2
1.安阳师范学院马克思主义学院， 河南 安阳 455000
2.北京城市学院经济管理学部， 北京 100083
Author(s):
MA Zhentao;  LANG Kun;  LIN Chen
School of Marxism, Anyang normal University, Anyang Henan 455000, China
关键词:
多层次医疗保障体系; 商业健康保险; 医疗费用
Keywords:
multi-level medical insurance system;  commercial health insurance;  medical expense
分类号:
F840.684
文献标志码:
A
摘要:
当前，我国商业健康保险总体覆盖水平不高，在产品创新、政策优惠、适应医疗支付方式改革、医疗健康服务提供、数据共享支持等方面存在不足。对此，应完善顶层设计，强化对商业健康保险的政策激励；推动商业健康保险创新扩面，提升专业化水平；探索管理式医疗保险模式，推动融合发展；推进医疗数据共享，提高理赔效率。
Abstract:
At present, the overall coverage level of commercial health insurance in China is still not high, and there are some deficiencies in product innovation, policy preference, medical payment reform, medical health service provision, data sharing support. In this regard, it is necessary to improve the top-level design of commercial health insurance to strengthen the policy incentives, promote the innovation and expansion of commercial health insurance to enhance the professional level of development, explore the managed medical insurance model to promote integrated development, and promote the sharing of medical data to improve the efficiency of claims.

参考文献/References:

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[6] 李明肖.商业健康保险产品现状、发展制约因素及建议——以北京地区为例[J].保险理论与实践，2023（08）：8-19.

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更新日期/Last Update: 2024-10-31