医疗保险自始至终都面临着一个需要不断回答的问题:如何为保险受益人“有效地”购买医疗卫生服务,以满足他们不断增加的健康需求?所谓“有效地”是指以尽可能低的成本为受益人购买合乎质量要求的产品和服务(这里的成本既包括购买时支付的成本,也包括为实现购买的运行成本)。这时,其背后还有一个内在的问题:如何同时保持保险基金的稳定,以避免“破产”的风险?简言之,就是购买、筹资和补偿的问题。 Health insurance has always faced a constant question that needs to be answered: how to purchase health services “effectively” for insurance beneficiaries to meet their growing health needs? The so-called “effectively” The low cost of purchasing beneficiaries to meet the quality requirements of products and services (here the cost includes both the cost paid at the time of purchase, but also includes the cost of running to achieve the purchase). At the same time, there is an inherent question behind this: how to keep the stability of the insurance fund at the same time so as to avoid the risk of “bankruptcy”? In short, it is the issue of purchase, financing and compensation.