大病保险制度定位与政策完善

发布时间：2018-05-23 12:19

本文选题：大病保险 + 政策目标　；参考：《山东社会科学》2017年04期

【摘要】：自从试点以来,大病保险一直颇受争议。2015年,国务院已经将其作为一项全国性的医疗保险制度。本文分析了大病保险的困惑,从完善医疗保障治理体系的角度,重新理解大病保险的政策目标。认为仅仅从基本医疗保障制度架构的合理性和制度运行的效率来考量,难以为大病保险找到令人信服的学理和实践依据,而应该从多层次医疗保障体系建设、培育商业保险机构医疗保险经办能力的目标,理解大病保险的意义。据此建议:明确大病保险为补充性医疗保险,明确商业保险机构作为大病保险的举办主体,建立稳定持续的大病保险筹资机制,适时扩大大病保险覆盖范围。
[Abstract]:Serious illness insurance has been controversial since the trial. In 2015, the State Council adopted it as a national health insurance system. This paper analyzes the confusion of the serious illness insurance, and reunderstands the policy goal of the serious illness insurance from the angle of perfecting the medical security management system. Considering only the rationality of the basic medical security system structure and the efficiency of the system operation, it is difficult to find a convincing theoretical and practical basis for the serious illness insurance, and the construction of the multi-level medical security system should be taken into account. Cultivate the goal of medical insurance management ability of commercial insurance institutions and understand the significance of serious illness insurance. It is suggested that the major illness insurance should be defined as the supplementary medical insurance, the commercial insurance institution should be the host of the serious illness insurance, the financing mechanism of the serious illness insurance should be established, and the coverage of the serious illness insurance should be expanded at the right time.
【作者单位】：浙江大学公共管理学院;
【基金】：国家社会科学基金重大项目“人口老龄化与长寿风险管理的理论和政策研究”(项目号:13&ZD163) 国家自然科学基金面上项目“老年护理保障需求、成本与筹资机制研究”(批准号:71273228)的阶段性成果浙江大学社会保障研究中心和浙江大学LEPP研究中心的支持
【分类号】：F842.684

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