新加坡保健储蓄账户制度及对我国职工医保个人账户改良的启示  

Singapore’s Medisave Account System and Its Enlightenment to the Improvement of China’s Employee Medical Insurance Personal Account

作　　者：蒿思宇 毛宗福 HAO Si-yu;MAO Zong-fu(School of Health Sciences,Wuhan University,Wuhan,430071,China;不详)

机构地区：[1]武汉大学健康学院,武汉430071

出　　处：《中国卫生经济》2021年第12期113-117,共5页Chinese Health Economics

基　　金：健康中国战略背景下医疗保障行动方案(国家医疗保障局2020012号)。

摘　　要：保健储蓄账户是新加坡医保制度的特色和核心,我国的职工医保个人账户就是借鉴新加坡保健储蓄账户而来的。近年来,关于我国医保个人账户制度的争论不绝于耳,甚至部分学者建议废除医保个人账户。基于此,文章在全面分析新加坡医保制度的基础上,从医保运行机制角度将我国医保个人账户与新加坡保健储蓄账户进行对比,旨在找出我国医保个人账户运行效果不佳的原因,探索其改良措施并针对我国医保个人账户待遇机制设计上存在的不合理问题,建议将我国医保个人账户取消购药功能、设置最高结余额度并建立激励措施以提高个人账户制度的约束性。Medisave account is the feature and core of Singapore’s medical insurance system.China’s employee medical insurance personal account is derived from Singapore’s medisave account.In recent years,there has been a lot of debate about China’s medical insurance personal account system,and even some scholars suggest abolishing.On the basis of a comprehensive analysis of Singapore’s medical insurance system,it compares China’s medical insurance personal account with Singapore’s medisave account from the perspective of medical insurance operation mechanism,in order to find out the reasons for the poor operation effect of China’s medical insurance personal account and explore its improvement measures.The results show that the design of the treatment mechanism of China’s medical insurance personal account is unreasonable.China’s medical insurance personal account should cancel the drug purchase function,set the maximum balance limit and establish incentive measures to improve the restraint of the personal account system.

关 键 词：新加坡 保健储蓄账户 职工医保 个人账户 启示 

分 类 号：R1-9[医药卫生—公共卫生与预防医学] R840.613