The Development Convergence of Private Health Insurance in Basic Medical Insurance:International Practices and Implications
- VernacularTitle:发展衔接基本医保商业健康保险:国际做法与启示
- Author:
Jiayun WANG
1
;
Linan WANG
;
Bifan ZHU
Author Information
1. 上海市卫生和健康发展研究中心(上海市医学科学技术情报研究所) 上海 200040
- Keywords:
private health insurance;
medical security system;
international experience;
policy implication
- From:
Chinese Health Economics
2024;43(10):1-6
- CountryChina
- Language:Chinese
-
Abstract:
Private health insurance(PHI)is an important component of China's multi-tiered medical security system,meeting people's multi-level and diversified health needs through supplementing and connecting with the basic medical insurance(BMI).It aims to draw on the practical experience of typical countries to provide implications for developing PHI that complements BMI in China.Considering the different models of medical security systems in various countries and the diverse functional positioning of PHI,France,Germany,Australia,the United Kingdom,and the United States are selected as reference objects.After examining the macro institutional systems of PHI,coverage population,benefits packages,characteristics of coordination with health care and medicines,as well as supporting regulatory measures,the experiences are summarized.Based on China's context,it proposes to improve institutional system building,enrich product supply,expand the insured population,explore the coverage list formulation,and refine supporting regulatory policies.