| 引用本文：徐伟, 李梦姣.商业保险机构经办大病保险的效果与条件——基于江苏省五市的案例分析[J].中国卫生政策研究,2014,7(3):43-48 |
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| 商业保险机构经办大病保险的效果与条件——基于江苏省五市的案例分析 |
| 投稿时间：2013-08-07 修订日期：2014-03-06 PDF全文浏览 HTML全文浏览 |
| 徐伟, 李梦姣 |
| 中国药科大学国际医药商学院 江苏南京 211198 |
| 摘要:目的：分析商业保险机构经办大病保险的效果与条件，为完善大病保险体系提供参考。方法：选择江苏省太仓和淮安市作为商业保险经办大病保险的样本地区，南京、无锡和扬州作为对照地区，采用描述性分析方法对数据进行分析。结果：商保经办对提高大病保障水平表现出一定的效果，其中基金续费能力是商保经办大病保险的一个重要条件，地方经济发展水平、市场成熟度等可作为各地建立适宜的商保管理机制的参考。结论：商保经办大病保险具有一定的推广性，太仓利用结余基金再保险的形式更适合于医保基金充足的经济发达地区，淮安通过商业保险优化大病监管、降低基金风险，为社保监管水平比较薄弱的地区提供借鉴。 |
| 关键词:重大疾病 商业保险 效果 条件 |
| 基金项目:国家自然科学基金（71273278）；国家社会科学基金（13FGL003） |
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| Effectiveness and conditions on commercial insurance companies offering health insurance for catastrophic diseases：A case study in five cities in Jiangsu Province |
| XU Wei, LI Meng-jiao |
| School of International Pharmaceutical Business, China Pharmaceutical University, Jiangsu Nanjing 211198, China |
| Abstract:Objective：To determine the effectiveness and conditions on commercial insurance companies offering health insurance for catastrophic diseases to perfect the insurance system. Methods：We take Taicang and Huaian as the sample area and Nanjing, Wuxi and Yangzhou as the control area. We use descriptive analysis methods to analyze the data. Result: Commercial insurance companies that offer health insurance for catastrophic diseases provide greater compensation levels. Fund ability to pay is one of the important conditions for the participation of commercial insurance, followed by local economic level and market maturity. Conclusion: Commercial insurance companies offering health insurance for catastrophic diseases can be extended to a degree. Taicang using surplus fund for reinsurance is more suitable for the developed area with sufficient fund, and the practices of Huaian are suitable for areas where supervision is weak. |
| Key words:Catastrophic diseases Commercial insurance Effectiveness Condition |
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