摘要:为了研究在基本医疗保险中引入商业模式的可行性,本文通过文献研究、问卷调查和访谈,分析了基本医疗保险所面临的问题,提炼并借鉴了国内、外的经验,从民众、商业健康保险公司和政府三个角度对该问题进行了探讨。尽管民众对商业健康保险不甚了解,但对其有潜在的需求。商业健康保险公司也有介入基本医疗保险的发展需要,但目前的经营管理能力还有待加强。政府用于规范和监督商业健康保险公司的法律、法规还不完善。因此,在基本医疗保险中引入商业模式这个问题上,民众、商业健康保险公司和政府等利益相关方都应当有所准备,适时、适度地进行探索,逐步积累经验,兼顾风险、公平和效率,使基本医疗保险更好地发挥作用。23472 毕业论文关键词:基本医疗保险;商业模式;可行性
The Feasibility Study on Introducing Business Model into Basic Health Insurance
Abstract:In order to study the feasibility of introducing business models in basic medical insurance, the paper analysis the basic medical insurance problems through literature research, questionnaire survey and interviews.It also refined the experience both in domestic and overseas, and discusses the problem from three angles,which is the public, commercial health insurance companies and the government.Although people don't know much about business health insurance,there is still a potential demand for it.Commercial health insurance companies also have the demand for intervening into the basic medical insurance in case of its development, but its current management capacity still needs to be strengthened.The Laws and regulations,which used to regulating and supervising commercial health insurance companies,formulated by the goverment,are still needs to be improved.Therefore,the public, commercial health insurance companies and the government and other stakeholders should be ready in case of introducing the business model in basic medical insurance.The exploration needs to be moderated timely,the experiment needs to be accumulated gradually and both risk, equity and efficiency needs to be taken care of,to let the basic medical insurance to play a better role.
Keyword:Basic medical insurance; Business model; Feasibility