大病补充保险该由谁做:商业保险和社会医疗保险的博弈  

Responsibility for the supplementary insurance:gaming between commercial insurance and social medical insurance

作　　者：时媛媛[1] 李林贵[1] 杨丹琳[1] 

机构地区：[1]宁夏医科大学管理学院,宁夏银川750001

出　　处：《中国卫生事业管理》2013年第12期907-909,共3页Chinese Health Service Management

基　　金：WHO卫生人力资源资助项目--以满意度为基础吸引和保持贫困地区卫生工作人员激励机制研究(编号:2010/60342-0);国家自然基金项目:中国西部基本医疗服务均等化测量调查(编号:G0308)

摘　　要：目的:通过对比宁夏回族自治区商业保险公司和社会医疗保险部门经营大病补充保险的成本,发现更适合宁夏地区的实施方案。方法:采用访谈、专家咨询及文献分析的方法进行数据收集及方案论证。结果:宁夏地区人口少,若实现大病保险全覆盖,商业保险公司经营大病补充保险投入的成本较高,但服务利用率较低,资源浪费。医保部门经营大病保险相对节约成本,且服务效率高。结论:宁夏地区可在国家政策基础上根据自身的地区特点,制定出适宜本地区发展的方案。Objective To compare the cost of commercial insurance company and social medical insurance department, and obtain suitable scheme in Ningxia. Methods Data was collected with interview, expert consultation and literature analysis. Results Fewer population in Ningxia will result in higher cost but lower utilization for commercial insurance companies in operation of sup- plementary insurance. But it is on the contrary for the social medical insurance departments. Conclusion Based on national policy, scheme suitable for Ningxia can be developed according to its own regional characteristics.

关 键 词：补充保险 商业保险公司 社会医疗保险 

分 类 号：F842.6[经济管理—保险]