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    2012~2020年我国健康保险与公共卫生服务项目融合研究

    摘要

    健康保险是健康产业的重要一环,在服务医改和健康中国战略中发挥着重要作用。各级政府及相关职能部门想通过发挥保险的社会管理作用来提升公共服务的提供水平和公共卫生的治理能力。典型案例分析显示,保险公司把政府部门工作中的“难点”和“痛点”作为切入点,保险公司的介入使公共卫生治理当中又多了一个主体,健康保险已成为政府治理社会的一种市场化替代方案或有益补充。不过,由于该类保险项目具有专业性强、条款开发难度大等特点,健康保险在公共卫生领域的社会治理职能尚未得到充分发挥,有待具备专业实力的健康保险公司深度挖掘。在政府主管部门方面,建议国家相关行业主管部门不仅要出政策,还要定期总结典型成功案例。从保险公司角度来说,则要提高政治站位,把服务健康中国建设作为核心工作来抓,加强专业人才培养与投入,开拓专业化发展路径,与政府部门通力合作,以健康保险服务公共卫生治理体系和治理能力的现代化。 <<
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    Abstract

    Health insurance is an important part of health industry and plays an important role in serving health reform and health strategy in China. Governments at all levels and relevant functional departments intend to enhance the level of public service delivery and public health governance through the play of the social management role of insurance. Typical case analysis shows that insurance companies all take the “difficult point” and “pain point” in the government work as the starting point,the intervention of insurance companies makes public health management more than one main body,health insurance has become a market-oriented alternative to government governance society or a beneficial supplement. However,because this kind of insurance project has the specialty strong,the clause development difficulty and so on the characteristic,the health insurance social management function in the public health domain has not got the full play,needs to have the specialized strength health insurance company to dig deeply. In terms of government departments,it is suggested that the competent departments of relevant industries should not only make policies,but also regularly summarize typical successful cases. From the perspective of insurance companies,it is necessary to improve the political standing,the construction of service health in China as the core work to grasp,strengthen professional talent training and input,explore the path of professional development,and work with government departments to serve health insurance public health governance system and governance capacity modernization.

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    作者简介
    郝建民:郝建民,中国人民健康保险股份有限公司北京分公司运营管理部副总经理,目前从事健康保险运营管理工作。
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