文档介绍：商业保险公司参与新型农村合作医疗的利弊分析
商业保险公司参与新型农村合作医疗的利弊分析董竹敏1杨引根2 (,北京100094;,北京100020) 〔摘要〕构建农村医疗保障体系是建立和完善我国社会保障体系的一大难点。50多年来我国农村合作医疗经历了建立、发展、衰退和重建的历程,近年来商业医疗保险在农村医疗保险市场进行了积极的探索。商业保险公司已具有的医疗保险推广和管理经验,有利于参与新型农村合作医疗保险;有助于开拓农村保险市场,赢得长期市场;有助于积累经验数据,打造品牌。但目前商业保险公司参与农村医疗保险市场也存在自身准备不足,政府支持力度不够,医疗服务风险管控难度大,合作医疗主管部门支持不力等不利因素。商业保险公司参与新型农村合作医疗的规模、效益和可持续发展等问题,有待进一步研究。〔关键词〕社会保障;商业保险;合作医疗;运作模式;风险管控;可持续发展〔中图分类号〕 〔文献标识码〕 A 〔文章编号〕1004-3306(2006)03-0034-04 Abstract: The major difficulty in establishing and perfecting the social security system in China is how to establish a rural medical insurance system. For more than five decades, China’s rural cooperative medical scheme has gone through a course of establishment, development, decline and re construction. mercial medical insurance was an active exploration of the medical insurance market in rural areas in recent years. Existing experiences mercial insurers on product promotion and management facilitate their participation into the rural cooperative medical scheme, helping them to explore rural insurance market and establish a strong hold there over the long run. In return, this will mercial insurers to accumulate experience data and advance their brand recognition. However, the current problems mercial insurers’ participation into the rural medical insurance market are mercial insurers are not properly equipped for do