美国医疗保险照顾计划及其对我国的启示

在现代保险法制中,健康保险是一个新兴的领域。与欧洲、日本等以国家为主导的健康保险法制建设不同,美国采取的是一种公私混合的多元化模式,即以商业健康保险为主,以政府主办健康保险为辅,并为此制定了一系列的法律、法规,形成了一个比较完善的健康保险法律体系。而在政府主办的健康保险事业中,1965年推出的医疗保险照顾计划(Medicare)处在核心的地位。本文就医疗保险照顾计划的由来、主要内容、实施效果以及对中国的启示作了详细论述,对借鉴美国医疗保险照顾计划、克服我国在老年人和残疾人健康保险上的问题以及如何改进等,提出了思路。

Medicare(United States) and Its Inspiration to China

In modern insurance law,health insurance is a novel subject.Different from European countries and Japan where health insurance is subject to state governance,the United States has adopted a mode with a mixture of a variety of public and private elements,i.e.,with commercial health insurance as the pivot supplemented by government-administered ones.And there a series of relevant laws and regulations have been enacted forming a relatively perfect legal system of health insurance.In terms of health insurance p...