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目前,我国的医疗保险制度改革正在稳步推进,越来越多的人开始认识到,由国家和企业包揽医疗费的时代结束了,个人要为自己和家人的医疗保障承担起必要的责任,于是,商业医疗保险逐渐为广大老百姓所关注。 由于我国商业医疗保险起步较晚,国家政策及法律环境尚不完善,加上保险公司在设计产品时往往对自身利益考虑得较多,而对被保险人的需求及利益方面考虑不够,结果使产品与市场期望不能吻合,甚至相差甚远,使人们对商业医疗保险心存疑虑,满意度不高。为此,我们将他们的意见归纳一二,并请有关专家就商业医疗保险目前存在的问题做出专论,诸位专家的观点并不代表本刊立场,仅供大众参考。
At present, the reform of the medical insurance system in our country is steadily progressing. More and more people are beginning to realize that the time when the medical fees are being taken over by the state and enterprises is over. Individuals have to assume the necessary responsibilities for the medical insurance for themselves and their families. , Commercial medical insurance gradually for the general public concern. Due to the late start of commercial medical insurance in our country, the national policy and legal environment are not yet perfect. In addition, insurance companies often consider their own interests when designing products, and they do not consider the needs and interests of the insured. As a result, Products and market expectations can not match, or even far, so that people have doubts about commercial health insurance, satisfaction is not high. To this end, we summarize their opinions on January 2 and invite relevant experts to make a special discussion on the existing problems of commercial medical insurance. The opinions of experts do not represent the position of the magazine and are for public reference only.