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自 1995年国家在镇江和九江进行城镇职工医疗保险改革试点以来 ,经过多年的酝酿 ,医疗保障制度改革已在全国启动。医改的深入 ,为商业补充医疗保险提供了巨大的社会需求和市场空间。但是 ,目前我国的商业补充医疗保险市场尚处在初期开发阶段 ,面临许多困难和矛盾 ,远未发挥商业补充医疗保险在社会医疗保障体系中应有的作用。因此 ,建议采取以下措施推进商业医疗保险发展 :调整商业医疗保险产业政策 ;加快医药管理体制改革 ;提高商业医疗保险专业化水平 ;引进保健管理计划。
Since 1995, when the state piloted the medical insurance reform for urban workers in Zhenjiang and Jiujiang, after years of deliberation, the reform of the medical insurance system has started in the whole country. In-depth medical reform provides a huge social need and market space for commercial supplementary medical insurance. However, at present, the commercial supplementary medical insurance market in our country is still in the initial stage of development, facing many difficulties and contradictions, far from exerting its due role in the social medical insurance system. Therefore, it is suggested that the following measures be taken to promote the development of commercial medical insurance: adjusting the industrial policy of commercial medical insurance; accelerating the reform of medical management system; enhancing the specialization of commercial medical insurance; and introducing the plan of health management.