文章摘要
陆 铭,冷明祥.我国商业医疗保险发展探析[J].南京医科大学学报(社会科学版),2012,(1):47~52
我国商业医疗保险发展探析
Analysis on the development of commercial medical insurance in China
投稿时间:2011-11-16  
DOI:10.7655
中文关键词: 商业医疗保险  发展  探析
英文关键词: commercial medical insurance  development  analysis
基金项目:江苏省医疗保险研究会科研课题——社会基本医疗保险与商业医疗保险定位及运行研究
作者单位
陆 铭 南京医科大学党委组织部,江苏 南京 210029 
冷明祥 南京医科大学医政学院,,江苏 南京 210029 
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中文摘要:
      我国商业医疗保险经过30年的发展,初现成效,业务逐年增加,保险密度逐年增长;经营主体不断增加,产品供给日益丰富;服务领域扩大,社会影响力增加?同时也存在着问题,健康险的普及率较低,占国内生产总值比重较小,供求矛盾明显,市场潜力与市场风险矛盾突出?商业医疗保险应抓住新医改的有利时机,借鉴国外经验,健康发展,满足群众对医疗保障的多样化需求?
英文摘要:
      After 30 years’ development the commercial medical insurance in China obtained the initial results. For example,the business had been expanded and the insurance density had increased steadily,insurance product was variety with more and more proprietors,the service areas had been broaden continually while the social influence became greater. However,some problems also existed,such as the low health insurance penetration rate,the small proportion of GDP,the obvious contradiction between supply and demand,the tense conflict between market potential and risk and so on. The article advanced that commercial medical insurance should grasp the favorable opportunity of the new medical reform,use the experience of other countries for reference,and accelerate the healthy development,in order to meet the diversified needs of the masses of medical security.
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