医疗保险是人身保险的一种,即在被保险人因疾病或遭受意外伤害需要治疗时,由保险公司给付保险金,以支付医疗费用。 我国多年来实行的是公费医疗制度,即由国家财政拨款或企业从营业收入中支出职工的医疗费用。随着改革向社会主义市场经济过渡,公费医疗制度已不适应当前的形势,一方面企业已无力继续负担职工医 Medical insurance is a kind of life insurance, in which the insurer pays the insurance money to cover the medical expenses when the insured person needs medical treatment due to illness or accidental injury. Over the years, our country has implemented a system of public medical expenses, that is, medical expenses that are paid by state funds or by enterprises from operating income. With the transition of the reform to the socialist market economy, the public health care system has become out of step with the current situation. On the one hand, enterprises have been unable to afford to continue to take on workers ’and workers’