河南大额补充保险与“大病保险”异同点分析--兼论社会保险与商业保险共同发展

摘要

While the Henan Province implemented the employee basic medical insurance, large supplementary insurance was also established simultaneously in 16 cities in 18, with a policy of voluntary and personal-family based payment. Both of the supplementary insurances were operating stably, alleviated the medical cost burden of citizens. The contradiction between the social security and commercial insurance is the ambiguity of their concepts. The government should concentrate on the basic insurance, realize its function of financial support on serious illness, while the demand of special social security, including various type of supplementary insurance, could be operated by the market.%河南省在实施职工基本医保时，各统筹地区同步建立了大额医疗费补充保险制度；实施城镇居民基本医保时，18个地级市中有16个同步建立大额医疗费补充保险，自愿参加，个人（家庭）缴费。两项补充保险运行稳定，发挥了减轻群众负担的作用。目前社保与商保的矛盾焦点在于混淆与错位，二者均有误区。政府应该集中精力办好基本医保，充分发挥其保大病的制度功能；社会特殊保障需求包括多种形式的补充保险应该由市场去办。