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[国内外实践中强制医疗保险与自愿医疗保险的比较分析]

[The comparative analysis of mandatory and voluntary medical insurance in national and international practice].

作者信息

Abubakirov A S, Zudin A B

机构信息

N. A. Semashko National Research Institute of Public Health, 105064, Moscow, Russia.

N. A. Semashko National Research Institute of Public Health, 105064, Moscow, Russia,

出版信息

Probl Sotsialnoi Gig Zdravookhranenniiai Istor Med. 2021 Mar;29(2):313-315. doi: 10.32687/0869-866X-2021-29-2-313-315.

Abstract

Nowadays, the formation and development of medical insurance system of citizens attracts attention of experts in the medical field and the insurance market. The possibilities of using foreign practice in the formation and organization of medical insurance, including improving of models of financing health care system in foreign countries and implementation of mechanisms of resource support of health care industry tested in world practice, deserve interest of researchers in order to enhance financial institutions of national system of mandatory and voluntary medical insurance. In Russia and foreign countries, the mandatory medical insurance policy allows citizens insured in mandatory medical insurance system, to undergo examination and receive treatment in medical organizations in amount established at the state level. In Russia, popularity of the voluntary medical insurance policy depends on medical care quality in the mandatory medical insurance system and volume of services guaranteed within the framework of mandatory medical insurance.

摘要

如今,公民医疗保险制度的形成与发展吸引了医疗领域专家和保险市场的关注。在医疗保险的形成和组织过程中借鉴国外经验的可能性,包括改进国外医疗保健系统的融资模式以及实施在世界实践中经过检验的医疗保健行业资源支持机制,值得研究人员关注,以便加强国家强制和自愿医疗保险体系的金融机构。在俄罗斯和其他国家,强制医疗保险政策允许参加强制医疗保险制度的公民在国家规定的额度内在医疗机构接受检查和治疗。在俄罗斯,自愿医疗保险政策的普及程度取决于强制医疗保险系统中的医疗服务质量以及强制医疗保险框架内所保障的服务量。

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