医疗保险是社会保险的重要组成部分,是对受保人因患病丧失工作能力时有权从国家获得基本医疗服务和基本生活保障的一种保障制度。一、国外通行的医疗保险模式纵观世界各国实行的医疗保险,迄今值得研究的主要有3种模式:1、免费医疗模式 Medical insurance is an important part of social insurance and is a guarantee system for insured persons who have the right to basic medical services and basic living guarantees from the state when they lose their ability to work. First, the foreign medical insurance model Throughout the implementation of the medical insurance in all countries in the world, so far worth studying the three main modes: 1, free medical model