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医疗保险制度是现代社会保障制度的重要组成部分,它在促进经济发展、维护人民健康以及保障社会稳定中发挥着十分重要的作用。当前世界各国的保险制度各有特点,但基本上可以分为社会医疗保险模式、全民医疗保险模式、商业性医疗保险模式、储蓄医疗保险模式四种类型,本文通过对国外主要医疗保险模式的介绍、比较和分析以及如何完善我国医疗保险制度的论述,希望对我国当前正在进行的医疗保险制度的改革有所裨益。
The medical insurance system is an important part of the modern social security system and plays a very important role in promoting economic development, safeguarding people’s health and ensuring social stability. At present, the insurance systems of all countries in the world have their own characteristics, but basically they can be divided into four types: social medical insurance model, universal medical insurance model, commercial medical insurance model and savings medical insurance model. This article introduces the main medical insurance models in foreign countries , Comparing and analyzing and how to perfect the medical insurance system in our country, I hope it will be helpful to the current reform of the medical insurance system in our country.