商保公司承办补充医疗保险的实践体会--以珠海市为例

摘要

The supplementary medical insurance of Zhuhai, which has been initiated for nearly 3 years, has made some achievements but also brought problems. The important cause is that commercial insurance companies do not adapt to the characteristics of public welfare of social medical insurance. Commercial insurance companies must be transformed to meet the characteristics of non-profit if they want to engage in health insurance business. Introducing nonprofit and professional insurance companies (or institutions) will be a proper choice to bring competition mechanism in health insurance management.%实施了3年的珠海市补充医疗保险，取得了一定成绩，但也存在一些问题，重要原因是商业保险公司还不适应社会医疗保险总体上属于公益事业的特性。商保公司想要从事医疗保险经办，必须向非营利方向改造。引进具有非营利性的专业化的保险公司（或机构），才是我国医保经办引入市场机制的应有选择。