健康保险在我国出现的时间虽然不长,但在国外却有着悠久的历史。世界上许多发达国家都有相对完善的社会医疗保障体系,商业健康保险和社会医疗保障二名共存,互为补充,为本国居民的健康水平和安稳生活提供保障。在我国这样一个人口众多、医疗保障体制尚未完全建立的国家,借鉴国外的成功经验,发展本国商业健康保险,可以使国民享受到更好的健康保障。 Health insurance in our country, although not a long time, but in foreign countries have a long history. Many developed countries in the world have relatively perfect social medical security system, and two commercial health insurance and social medical insurance coexist and supplement each other, which guarantees the health and safety of their residents. In a country like China with a large population and a medical insurance system that has not yet been fully established, we can learn from the successful experience of other countries and develop our own commercial health insurance so that our citizens can enjoy better health protection.