保险学-我国基本医疗保险与商业健康保险的发展关系

我国基本医疗保险与商业健康保险的发展关系研究【摘要】目的：随着我国的科技发展、国家经济水平的提高，中国已进入特色社会主义新时代，人们对医疗保障水平的需求也逐步提高，基本医疗保险目前存在的局限性并不能满足劳动者的需求，这并不利于稳定社会秩序、不利于减少城乡和地区差异，也难以满足劳动者们随着中国经济发展而日益增长的医疗需求。商业健康保险和基本医疗保险应该需要怎么样的发展来适应现代社会的发展，满足人们的需求和实现和谐稳定有序的社会秩序，是本文将要讨论的问题所在。结果：参考国外发展中国家和发达国家的医疗保障体系，对比它们发展过程中的优缺点，学习、借鉴适合中国国情发展的医疗保障体系，并对国外发展经验的优点进行部分选择，并结合其合理的地方提出自己的建议。结论：随着我国国情的不断发展，基本医疗保险和商业健康保险的发展也必然进行不断的变化发展。【关键词】医疗保障；基本医疗保险；商业健康保险；不断发展ResearchontherelationshipbetweenthedevelopmentofbasicmedicalinsuranceandcommercialhealthinsuranceinChina[Abstract]Objective:Withthedevelopmentofscienceandtechnologyandtheimprovementofnationaleconomiclevel,Chinahasenteredaneweraofsocialismwithcharacteristics,andpeople'sdemandformedicalsecuritylevelhasgraduallyincreased.Thelimitationsofbasicmedicalinsurancecurrentlycannotmeettheneedsofworkers,whichisnotconducivetothestabilityofsocialorder,thereductionofurban-ruralandregionaldifferences,andalsodifficulttomeettheneedsofworkersalongwithChinaChina'seconomicdevelopmentandgrowingmedicalneeds.Whatkindofdevelopmentshouldcommercialhealthinsuranceandbasicmedicalinsuranceneedtoadapttothedevelopmentofmodernsociety,tomeetpeople'sneedsandtoachieveaharmonious,stableandorderlysocialorderaretheissuesthispaperwilldiscuss.Results:referringtothemedicalsecuritysystemofforeigndevelopingcountriesanddevelopedcountries,comparingtheiradvantagesanddisadvantagesinthedevelopmentprocess,learningfromthemedicalsecuritysystemwhichissuitableforthedevelopmentofChina'snationalconditions,andmakingpartialselectionoftheadvantagesofforeigndevelopmentexperience,andcombiningwithitsreasonableplacetoputforwardtheirownsuggestions.Conclusion:withthecontinuousdevelopmentofChina'snationalconditions,thedevelopmentofbasicmedicalinsuranceandcommercialhealthinsuranceisboundtochange.