建立大学生互助保险基金的可行性分析——基于完善大学生医疗保障体系的角度  

Feasibility Analysis of Students' Mutual Insurance Fund — Based on the Point of View to Improve the Medical Security System of College Students

作　　者：谭毅[1] 袁缘[1] 

机构地区：[1]中央财经大学保险学院,北京100081

出　　处：《社会保障研究》2013年第1期54-63,共10页Social Security Studies

摘　　要：1985年我国开始推行学生平安保险,2008年9月国家又明确规定将大学生纳入城镇居民基本医疗保障体系,大学生医疗保障体系就此初步建立。但此体系只能提供最基本的医疗保障,大学生医保、学平险所未覆盖的地方或保障不足的地方则需要进一步完善,譬如大学生重疾保障、意外身故等。本文以完善大学生医疗保障体系为目的,重点分析了大学生互助保险基金实行的必要性和可行性,并结合湖北经济学院实际,测算了大学生互助保险基金的缴费水平、收支情况等。分析结果显示,大学生互助保险基金是切实可行的。In 1985 China launched the Student Accident Insurance, and in September 2008 the state has made it clear to the provisions of Students included in the basic medical insurance system for urban residents. College students health insurance system this initially established. However, this system can only provide basic medical insurance and health insurance for college students. But the risks can not be covered by local or inadequate protection which you need to be further improved. Starting from the point of view, we need to build a multi - level college students health insurance system through feasibility analysis, estimatement of the Fund and the financial arrangements. In the end, the students Mutual Insurance Fund can improve the medical insurance system of university students for college students, and provide comprehensive protection for schools which provide good education teaching and learning environment.

关 键 词：互助保险基金 学平险 医疗保障体系 

分 类 号：G647[文化科学—高等教育学] F842.6[文化科学—教育学]