| 引用本文：王治军, 王沁.健康保险概念辨析与理论综述[J].中国卫生政策研究,2016,9(8):55-60 |
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| 健康保险概念辨析与理论综述 |
| 投稿时间：2016-01-19 修订日期：2016-07-13 PDF全文浏览 HTML全文浏览 |
| 王治军1,2, 王沁11,2 |
1. 中国人民大学财政金融学院 北京 100086;
2. 中国人寿财产保险股份有限公司 北京 100140 |
| 摘要:文章从时间维度和国际经验两个视角，对健康保险的定义和实践进行回顾分析，指出我国健康保险制度存在相关概念混淆、理论基础不扎实的问题，并深入探讨了理想状态下的健康保险核心功能与基础理论。研究认为，我国的全民健保路径应以尊重和维护公民健康权利为基础，遵循公平、效率、可持续发展原则，充分利用保险原理和风险管理技术，延伸和扩充狭义健康保险内涵，走一条渐进提升的改革路径。 |
| 关键词:健康保险 医疗保险 医疗保障 健康保障 全民健保 |
| 基金项目:国家社科基金重大项目（13&ZD164） |
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| Review of the health insurance concept and theory in China |
| WANG Zhi-jun1,2, WANG Qin11,2 |
1. The Finance School, Renmin University of China, Beijing 100086, China;
2. China Life P&C Insurance Company Limited, Beijing 100140, China |
| Abstract:From time dimension and best international practice angles, this article not only analyzed the definition and practices of health insurance, but also discussed the core function and fundamental theory around it. It pointed out some problems existing in our country's health insurance system such as the related concepts confusion and fundamental theory deficiency. Studies suggest that, in order to achieve the “health for everyone” objective, the policy maker should consider respecting and safeguarding the human's health rights based on the principles of Equitable, Efficient and Sustainable development. He/she should also take advantage of full use of insurance principle and risk minimization skills, extension and expansion of the narrow health insurance connotations, and undertake a gradual reform route. |
| Key words:Health insurance Medical insurance Medical care security Health care security National health system |
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