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基本医疗保险属于社会保险范畴,其主要特点是广覆盖,低保障,借助于国家法律和行政的手段实施,它所提供给城镇职工的只是最基本的医疗保障,限于解决一定金额内的门诊和住院医疗费用,超过限额,职工仍需自费。因此,仅仅参加基本医疗保险,在当前医疗费用普遍过高情况下,其保障仍然是不充分的。商业医疗保险是一种市场经营行为,按自愿的原则进行,保险公司在设计医疗保险品种时,充分考虑了各类人群对医疗保障的个性化需求,险种丰富,保障有多有少,交费有高有低,单位和个人可根据其健康状况和经济承受能力自由选择,保险公司将按照保险条款规定兑现赔付金。显而易见,商业医疗保险是基本医疗保险的有益补充。
Basic medical insurance belongs to the category of social insurance. Its main features are broad coverage and low security. It is implemented by means of national laws and administrative practices. The basic medical insurance provided to urban workers is only the most basic medical insurance and is limited to outpatient services within a certain amount. Hospital medical expenses, exceeding the limit, workers still need to own expense. Therefore, the mere participation of the basic medical insurance system will still be under-guaranteed if the current medical costs are generally too high. Commercial medical insurance is a kind of market operation, which is carried out according to the principle of voluntariness. When designing the types of medical insurance, the insurance companies have fully considered the individualized needs of medical insurance for all kinds of people, have rich insurance, more and less protection and pay There are high and low, units and individuals can be free to choose according to their health status and affordability, the insurance company will be in accordance with the terms of the insurance cash payment. Obviously, commercial medical insurance is a useful supplement to basic medical insurance.