保險學(xué)-我國基本醫(yī)療保險與商業(yè)健康保險的發(fā)展關(guān)系

我國基本醫(yī)療保險與商業(yè)健康保險的發(fā)展關(guān)系研究【摘要】目的：隨著我國的科技發(fā)展、國家經(jīng)濟(jì)水平的提高，中國已進(jìn)入特色社會主義新時代，人們對醫(yī)療保障水平的需求也逐步提高，基本醫(yī)療保險目前存在的局限性并不能滿足勞動者的需求，這并不利于穩(wěn)定社會秩序、不利于減少城鄉(xiāng)和地區(qū)差異，也難以滿足勞動者們隨著中國經(jīng)濟(jì)發(fā)展而日益增長的醫(yī)療需求。商業(yè)健康保險和基本醫(yī)療保險應(yīng)該需要怎么樣的發(fā)展來適應(yīng)現(xiàn)代社會的發(fā)展，滿足人們的需求和實現(xiàn)和諧穩(wěn)定有序的社會秩序，是本文將要討論的問題所在。結(jié)果：參考國外發(fā)展中國家和發(fā)達(dá)國家的醫(yī)療保障體系，對比它們發(fā)展過程中的優(yōu)缺點，學(xué)習(xí)、借鑒適合中國國情發(fā)展的醫(yī)療保障體系，并對國外發(fā)展經(jīng)驗的優(yōu)點進(jìn)行部分選擇，并結(jié)合其合理的地方提出自己的建議。結(jié)論：隨著我國國情的不斷發(fā)展，基本醫(yī)療保險和商業(yè)健康保險的發(fā)展也必然進(jìn)行不斷的變化發(fā)展?！娟P(guān)鍵詞】醫(yī)療保障；基本醫(yī)療保險；商業(yè)健康保險；不斷發(fā)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.