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为探索新型农村合作医疗商业保险模式的构建与推广途径,文章根据国家有关鼓励保险业参与新型农村合作医疗业务的政策,通过对新型农村合作医疗现行两种运行模式的优劣对比,剖析其各自运行过程中出现的问题与不足,认为管办分离的新型农村合作医疗商业保险模式具有更强的竞争力,并就新型农村合作医疗商业保险模式的构建与推广提出政策建议。
In order to explore the construction and promotion of the commercial insurance model of new rural cooperative medical system, according to the national policy about encouraging the insurance industry to participate in the new rural cooperative medical service, the paper analyzes the current advantages and disadvantages of the two modes of operation of the new rural cooperative medical system The problems and shortcomings in the operation of the new rural cooperative medical insurance system are pointed out. The commercial insurance model of new rural cooperative medical system separated from management is more competitive. Policy recommendations are also put forward on the construction and promotion of the new rural CMS.