商业保险参与新农合的必要性分析

结合政府主导下的新农合运行中存在的筹资成本及管理成本机制不健全、保障机制不健全、政府监管不到位等问题,分析了国内外商业保险机构参与新农合的实例,得出商业保险机构的参与对新农合政策的有效实施有着正相关作用,即商业保险参与新农合存在一定的必要性,由此从政府、企业及农民自身角度出发提出商业保险参与新农合的对策建议。

Necessity of Commercial Insurance Participating in New Rural Cooperative Medical Care

Combined with the problems such as the lack of financing cost and management cost mechanism in the operation of the new rural cooperative medical care operation under the government,the safeguard mechanism was not perfect and the government supervision was not in place,this paper analyzed the domestic and foreign commercial insurance institutions to participate in the case of new rural cooperative medical system,and drew the conclusion that the participation of commercial insurance institutions had a positive effect on the effective implementation of the new rural cooperative medical policy,that is,the necessity of commercial insurance participating in the new rural cooperative cooperative medical care.Then some countermeasures about commercial insurance participating in new rural cooperative medical care were put forwad from the government,enterprises and farmers of their own point of view.