多层次医疗保障视角下“惠民保”的属性分析  

Attribute Analysis of“People-benefit Insurance”(Huimin Insurance)from the Perspective of Multi-level Medical Security

作　　者：曹如霞 Cao Ruxia

机构地区：[1]北京工商大学经济学院,北京100048

出　　处：《保险职业学院学报》2021年第5期18-23,共6页Journal of Insurance Professional College

摘　　要：“惠民保”的火爆引起了学界的广泛讨论,尤其是对产品可持续发展的关注。作为一款“低门槛、低费率、高保额”的保险产品,“惠民保”按照商业保险的运营模式能否持续发展值得思考。文章阐述了“惠民保”产品本质特征,将“惠民保”与商业保险、相互保险、社会保险、政策保险作比较分析,结合产品特质、政策背景、多层次医保体系建设等方面,认为将“惠民保”定性为政策性保险较为合适,也具有必要性和可行性。The popularity of“People-benefit”Insurance(Huimin Insurance)has attracted extensive discussion in academic circles,especially the attention to the sustainable development of the product.As a"low threshold,low rate,high coverage"insurance product,it is worth thinking whether“People-benefit”Insurance(Huimin Insurance)can be sustainable in accordance with the model of business insurance.This paper expounds the essential characteristics of“People-benefit”Insurance(Huimin Insurance),comparing it with commercial insurance,mutual insurance,social insurance and policy insurance.Combining with the characteristics of the product,the policy background and the construction of multi-level medical insurance system,it is considered that it is appropriate,necessary and feasible to define“People-benefit”Insurance(Huimin Insurance)as policy insurance.

关 键 词：“惠民保” 医疗保障 政策保险 

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