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商业健康保险是国家医疗保障体系的重要组成,在国家实施医改战略的过程中,我们应当充分认识商业健康保险的角色和功能,进一步发挥商业健康险在医改中的作用。本篇分析了医改前后企业及员工面临的问题,提出了参加商业保险机构提供的员工综合健康福利保障是企业的理性选择这一观点,并从政策规定、企业负担医疗费用的现状及需求等几方面来论证了这一观点。
Commercial health insurance is an important component of the national health insurance system. In the process of implementing the health care reform strategy in our country, we should fully recognize the role and function of commercial health insurance and further play the role of commercial health insurance in medical reform. This article analyzes the problems faced by enterprises and employees before and after the medical reform and puts forward the viewpoint that participating in comprehensive health benefits protection provided by commercial insurance agencies is the rational choice of the enterprise. From the policy requirements, the status quo and needs of the medical expenses borne by enterprises To demonstrate this point of view.