商业健康保险在全民医保中的定位研究【摘要】在对医疗保障结构不断努力完善的状况下，全民医保已经基本实现。其中，商业健康保险和基本医疗保险是其的主要构成，但是它们在全民医保中的地位却有所不同。商业健康保险的定位随着政策和经济环境的变化，由最初的补充作用，演变为补充与参与作用。本文通过对数据和政策分析，探讨全民医保的发展现状，讨论全民医保存在的问题，着重分析商业健康保险在弥补基本医疗保险不足方面的优势，体现其的补充参与作用。另外，结合当前商业健康保险发展状况，分析其发展不足原因，并提出相应的解决方法。【关键词】商业健康保险、基本医疗保险、补充与参与作用AStudyontheStatusofCommercialHealthInsuranceinUniversalMedicalInsurance[Abstract]Invirtueofimprovingthemedical-insurancesystem,universalmedicalinsurancehasbeenbasicallyachievedinChina.Amongthem,commercialhealthinsuranceandbasicmedicalinsuranceareimportantpartsofit,buttheirpositionsinuniversalmedicalinsuranceisdifferent.Withthechangeofpolicyandeconomicenvironment,thepositioningofcommercialhealthinsurancehaschangedfromtheoriginalsupplementaryroletothesupplementaryandparticipatingrole.Throughtheanalysisofdataandpolicy,thispaperdiscussesthecurrentsituationofuniversalmedicalinsuranceaswellastheproblemsexistinginuniversalmedicalinsurance,andfocusesontheadvantagesofcommercialhealthinsuranceinmakingupfortheshortageofbasicmedicalinsurance,soastoreflectitscomplementaryandparticipatingrole.Inaddition,combiningwiththecurrentdevelopmentstatusofcommercialhealthinsurance,thispaperalsoanalyzesthereasonsforitsdeficiencyinthedevelopmentprocessandputsforwardthecorrespondingsolutions.[Keywords]PrivatehealthinsuranceFundamentalhealthcareComplementaryandparticipatoryroles目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc41430533"1前言PAGEREF_Toc41430533\h1HYPERLINK\l"_Toc41430534"2全民医保现状PAGEREF_Toc41430534\h3HYPERLINK\l"_Toc41430535"2.1基本医疗保险PAGEREF_Toc41430535\h3HYPERLINK\l"_Toc41430536"2.1.1基本构成PAGEREF_Toc41430536\h3HYPERLINK\l"_Toc41430537"2.1.2参保人数逐年上升，覆盖面广PAGEREF_Toc41430537\h5HYPERLINK\l"_Toc41430538"2.1.3医保基金收支规模扩大PAGEREF_Toc41430538\h6HYPERLINK\l"_Toc41430539"2.2补充医疗保险PAGEREF_Toc41430539\h7HYPERLINK\l"_Toc41430540"2.3商业健康保险PAGEREF_Toc41430540\h8HYPERLINK\l"_Toc41430541"2.3.1基本状况PAGEREF_Toc41430541\h8HYPERLINK\l"_Toc41430542"2.3.2专业健康保险公司兴