商业保险应涵盖小病预防的建议本科.docVIP

商业保险应涵盖小病预防的建议 【摘要】：我国的医疗保障体系建设过程中，大致经历了24年改革，2009年《中共中央关于深化医药卫生体系改革意见》（“新医改”）出台以来，各级政府都坚持公共医疗卫生的公益性质，强化政府责任和投入，完善国民健康政策，健全制度体系，加强监督管理。创新体制机制，鼓励社会参与，建设覆盖城乡居民的基本医疗卫生制度，从完善医疗卫生4大体系、保障医疗卫生体系有效运转等方面对现有医疗制度进行改革。其中医疗保险方面，明确商业健康保险、工会等社会团体的开班的互助保险在全民医保体系中的重点地位，并鼓励他们发展。 虽然“新医改”对我国的医疗卫生事业发展指明了方向，但是解决群众“看病难、看病贵”问题仍存在矛盾。技术层面上，保大病还是保小病成为人们争议的焦点。改革开放以来，社会基本医疗保险和医疗救助体系一直是优先保证大病医疗费用报销。小病的保障范围小、程度低，不少群体缺乏小病保险的制度安排。尽管基本医疗保障以大病为主，但笔者认为，小病的防治同等重要，应逐渐纳入保障体系。“新医改”为商业健康保险发展带来了良好的机遇，商业健康保险可以发挥对社会医疗保险的补充作用，加强对小额疾病、常见病、清症病的经济补偿与健康管理，满足群众多层次多元化的健康需求，才能改善就医条件，缓解“看病贵、看病难”的问题，提高人民身心健康。 【关键词】：小病 大病 健康管理 全科医生 Analysis on Commercial Healthcare Insurance for Minor Illnesses Abstract: China’s health care system in the process of building ,roughly 24 years of calendar reform .2009,”the CPC Central Committee views on deepening the medical and health system”(“new medical reform”)has been introduced at all levels of government have insisted on the public nature of public health, strengthen the government’s responsibility and commitment, improve the national health policies, a sound system ,and strengthening the supervision and management, innovation and institutional mechanisms to encourage community participation, construction, urban and rural residents covered by basic medical health system, improve medical and health from the four major systems to ensure effective functioning of the medical and health system in terms of existing health care system reform. Including medical insurance, health insurance, a clear business, trade union and other social organizations to operate the mutual insurance universal health insurance system in the important position, and to encourage their development. Although the “new health care reform,” China’s medical and health sector ,pointing one the direction, but solving “different and expensive “ problem still exist contradictions. Technical level, or controversy. Since the reform and opening up, social basic medical insurance and medical assistance system has bee