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未成年人医疗保险在发达国家和发展中国家都有不同程度的发展,但我国并没有把其纳入社会保障体系当中。现阶段,未成年人医疗问题突出,未成年人医疗费用负担加重凸显了建立独立的未成年人医疗保险制度的重要性。本文通过介绍发达国家和发展中国家的未成年人医疗保险,对其具有的共性进行总结,对比国内现有的未成年人医疗保险政策并对其特点进行分析,最后对我国未成年人医疗保险的发展模式进行思考,建议建立包括未成年人医疗救助、未成年人医疗保险和社会慈善的多层次、多途径的医疗保险模式。
Minor health insurance in developed countries and developing countries have varying degrees of development, but our country did not include them in the social security system. At this stage, the outstanding medical problems for minors and the heavier burden of medical expenses for minors highlight the importance of establishing a separate medical insurance system for minors. By introducing the medical insurance for minors in both developed and developing countries, this article summarizes the commonalities of the medical insurance for minors, compares the current national policy on medical insurance for minors and analyzes its characteristics, and finally analyzes the medical insurance for minors in our country Thinking of the development model, it is suggested to establish a multi-level and multi-channel medical insurance model that includes medical assistance for minors, medical insurance for minors and social charity.