我国补充医疗保险制度研究

【作者】 张冬平；

【导师】 刘雄；

【作者基本信息】 首都经济贸易大学 ， 劳动经济， 2004， 硕士

【摘要】 补充医疗保险，作为三层次医疗保障体系中的第二层次，在一些发达的工业化国家里，已成为医疗保障的主要支柱和企业吸引人才的重要手段，且已形成一套稳定的制度和规范的管理办法。我国虽然早在十年前就出台了有关规定和政策，但实际发展极为缓慢，目前，在各地区都开始实施基本医疗保险制度，但在建立补充医疗保险方面却相对滞后，致使一些现有医疗消费水平较高的特定行业和企业不愿参加基本医疗保险，即使参保了，也会因当地补充医疗保险政策不到位而产生一些意见，尽快出台并实施补充医疗保险办法已刻不容缓。 主要研究方法：第一，比较的方法。对中国和外国的有关情况进行了比较，目的在于借鉴那些适合我国情况的有益经验。同时，还对我国的情况进行了横向比较，发现所存在的问题。第二，定量分析方法。通过相关数据分析，探讨了补充医疗保险发展的必要性。 本论文主要有以下特点与创新之处：(1)从中国的实际情况出发，提出了补充医疗保险制度建设的定位和基本政策取向；(2)提出不同人群，实行不同办法的方案设计，形成多元化发展模式；(3)运用定量和定性的方法分析补充医疗保险建立的必要性和可行性；(4)通过实践调查和资料分析对我国补充医疗保险发展现状有一个初步了解，对存在的问题提出了自己的对策。更多还原

【Abstract】 As the second pillar of the "three-pillar" medical security system, Supplementary Health Insurance (SHI) has become a major part of the medical security system in most industrialized countries. SHI also become the most important way for enterprises attracting talents. China had established the relative policies decade ago, but it developed very slowly. Now, most regions have implemented the social medical security system, but in part of SHI is lagging behind. It results in a lot of enterprises that keep higher lever of medical consumption deny participating the social medical security system, even involved, they are not satisfied with the policy for the absence of SHI. So it is urgent for the government that set up and implement SHI policies.The major research ways are: first, the act of comparing. Through comparison with international situation, we can learn something valuable experience. And also by comparing with different regions in China, we can find the problems. Second, way of quantification, through data analysis ,we know it is necessary to develop SHI.There are several creative in this thesis. First, the author make orientation of SHI connected with Chinese situations; Second, the author designs diversification SHI schemes for different part of people; Third, the author analyzes the necessity and feasibility of SHI by ways of quantification and qualitative; Forth, the author gets primary understanding about the preset situation of SHI by investigations and data analysis, put forward countermeasure for the problems.更多还原