The Development Convergence of Private Health Insurance in Basic Medical Insurance:International Practices and Implications
Private health insurance(PHI)is an important component of China's multi-tiered medical security system,meeting people's multi-level and diversified health needs through supplementing and connecting with the basic medical insurance(BMI).It aims to draw on the practical experience of typical countries to provide implications for developing PHI that complements BMI in China.Considering the different models of medical security systems in various countries and the diverse functional positioning of PHI,France,Germany,Australia,the United Kingdom,and the United States are selected as reference objects.After examining the macro institutional systems of PHI,coverage population,benefits packages,characteristics of coordination with health care and medicines,as well as supporting regulatory measures,the experiences are summarized.Based on China's context,it proposes to improve institutional system building,enrich product supply,expand the insured population,explore the coverage list formulation,and refine supporting regulatory policies.
private health insurancemedical security systeminternational experiencepolicy implication