【摘要】 目的探索市场经济条件下我国城镇职工补充医疗保险适宜的组织与筹资模式。方法通过在上海、温州和成都三地对补充医疗保险的参加意愿、支付意愿和实际参保情况进行调查,对国内不同运作模式进行总结与比较分析,以期对可行的补充医疗保险覆盖范围及其组织运作进行前瞻性分析。结果获得了职工对不同补充医疗保险方案的需求特征,提出了补充医疗保险适宜的覆盖范围及其组织运作模式。结论建议要明确界定政府在补充医疗保险发展中的职能定位,要依靠政策扶持与引导,推进补充医疗保险的发展;要加强对补充医疗保险的监管等。更多还原

【Abstract】 Objective To explore appropriate organization and financing models of urban employees supplementary medical insurance under the conditions of the market economy. Methods Employee surveys on willingness to participate in, willingness to pay for, and actual enrolment in supplementary medical insurance were conducted in Shanghai, Wenzhou and Chengdu and nationally different operational models were compared so as to analyze prospectively coverage and operational models of feasible supplementary medical insurance options. Results Characteristics of the employees needs for various supplementary medical insurance options were garnered and appropriate coverage and operational models were put forward. Conclusion It is suggested that the role of the government in the development of supplementary medical insurance be clearly defined, the development of supplementary medical insurance be promoted through policy support and guidance, and the supervision of supplementary medical insurance be strengthened.更多还原