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研究和实施医疗保险制是当代医疗卫生体制发展的国际性大趋势,也是我国卫生体制改革的热点。其因主要在一方面有政府的主特和参与能更大范围地发挥社会共济作用,显示出社会对成员保障的更高的公平性。另一方面医疗保险制能顺应商品经济的基本规律,通过经营和科学管理促进卫生事业自身的发展。应该看到,医疗保险制的实施是一项系统的社会工程。要克服在保险费征缴、给付和管理等一系列环节上存在的许多制约因素必然涉及和引起人们传统文化、伦理观念、社会行为及行政法规等高深层次的
Researching and implementing the medical insurance system is an international trend in the development of the contemporary medical and health system, and is also a hot spot in China’s health system reform. It is mainly because on the one hand, the government’s uniqueness and participation can exert a greater degree of social cooperation, demonstrating the greater fairness of society’s protection of members. On the other hand, the medical insurance system can conform to the basic laws of the commodity economy, and promote the development of the health industry itself through operations and scientific management. It should be noted that the implementation of the medical insurance system is a systematic social project. To overcome many constraints in the collection, payment, and management of insurance premiums and other constraints will inevitably involve and arouse people’s high levels of traditional culture, ethics, social behavior, and administrative regulations.