论文部分内容阅读
截止去年12月上旬,商业补充医疗保险保费收入共计318万余元,赔付170人次,共支出338万余元,占保费收入的106%。而且剩下的大半个月时间将是理赔的高峰期,商业补充医疗保险去年亏损是显而易见的。对此,商业保险公司方面为扭转不利局面,提出了一些更改的措施和意见。那么,对于省直商业补充医疗保险亏损的问题,商业保险公司应如何理性地看待,医保经办机构应如何积极地采取有力的配合措施,双方应如何来共同面对呢?笔者认为:一、正确认识赢亏问题商业补充医疗保险赢与亏的标准应怎样认定,如何权衡呢?是否仅就运行一年,在一个统筹地区出现亏损,就断定这项险种对商业保险公司而言没有前途,是一个陪钱“窟窿”呢?为了正确认识商业补充医疗保险的赢亏问题,有必要再阐述一下什么是商业补充医疗保险的特点。商业补充医疗保险是融和了社会保险和商业保险的某些特点的一个混合险种,既具有社会保险的政府强制行为的特征,也具备了
As of early December last year, commercial supplementary medical insurance premium income totaling more than 318 million yuan, 170 people paid a total of 338 million yuan, accounting for 106% of premium income. And most of the remaining half of the time will be the peak of claims, commercial supplementary medical insurance losses last year is obvious. In this regard, commercial insurance companies to reverse the adverse situation, put forward some changes in the measures and opinions. So, for the province straight commercial supplementary medical insurance losses, commercial insurance companies should be how to rationally treat the health insurance agencies should take effective measures to actively cooperate with both sides should be how to face it? I think: First, Correct understanding of the problem of winning or losing Commercial complement health insurance win and lose standards should be how to identify, how to weigh it? Run only for one year in a co-ordinating area of the loss, concluded that the insurance business for the insurance business in terms of no future, Is it a “money hole” to accompany money? In order to correctly understand the problem of commercial supplementary medical insurance, it is necessary to elaborate on the characteristics of commercial supplementary medical insurance. Commercial supplementary medical insurance is a hybrid of certain characteristics of social insurance and commercial insurance that combines the characteristics of a government-mandated form of social insurance with