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纵观当今世界各国健康保险模式,可谓名目繁多,形式不一,各有特点,很难具体归类。各国学者由于观点和出发点的不同和差异,因而产生多种不同的分类,至今尚未形成一种公认的分类法。如美国罗默(Roemer)博士按照国家的政治经济状况以及对卫生服务的组织程度所确立的分类法;克里兹库瓦斯基(klezkowaski)博士按照国家的经济发展水平和社会政治特征所提出的分类法;以及其他一些诸如国家所有制性质、医疗费用的支付方式、医疗保健服务的提供方式、以及医疗卫生保健基金的分配与使用等为依据进行分类的方法。
Looking at the health insurance models of all countries in the world today, it can be said that there are many different types of names and different forms. Each has its own characteristics and it is difficult to classify them. Scholars from different countries have different classifications due to the differences and differences in their viewpoints and starting points, and no recognized taxonomy has yet been formed. Such as the classification method established by Dr. Roemer in the United States according to the country’s political and economic conditions and the degree of organization of health services; Dr. Klezkowaski proposed according to the country’s economic development level and socio-political characteristics. Taxonomy; and other methods such as the nature of state ownership, the payment methods for medical expenses, the provision of health care services, and the distribution and use of health care funds.