推动“医保+商保”一站式结算的思考  

Thoughts on Promoting the"Medical Insurance Plus Commercial Insurance"One-Stop Settlement

作　　者：付超奇 

机构地区：[1]国家医疗保障局大数据中心,北京100830

出　　处：《中国医疗保险》2024年第10期5-9,共5页China Health Insurance

摘　　要：信息不对称、潜在的供需被抑制等多重因素制约了我国商业健康保险产业进一步发展壮大。为充分满足人民群众多元化的健康需求,助推“三医”+健康金融产业发展,本文提出开展“医保+商保”一站式结算,并分析了制约我国商业健康保险发展的问题,提出政策思考和可行路径,以期为医疗、医保、医药和商业健康保险创新发展提供参考。Multiple factors such as information asymmetry and suppression of potential supply and demand have constrained the further development and growth of commercial health insurance industry in China.In order to fully meet the diverse health needs of the people and promote the development of"medical insurance,medical services,and pharmaceuticals"plus health finance industry,this article proposes to develop"medical insurance plus commercial insurance"one-stop settlement,analyzes the problems that constrain the development of commercial health insurance in China,and proposes policy thinking and feasible paths,in order to provide a reference for the innovative development of medical service,medical insurance,pharmaceuticals and commercial health insurance.

关 键 词：医保+商保 清分结算中心 一站式结算 

分 类 号：F840.684[经济管理—保险] C913.7[社会学]