完善我国重大疾病商业健康保险的若干建议.docx

完善我国重大疾病商业健康保险的若干建议 冯宇蕾 FENG Yu-lei （厦门华厦学院财会金融系，厦门 361024） （Department of Finance and Accounting，Xiamen Huaxia University，Xiamen 361024，China） 摘要： 本文通过对我国社会医疗保险和商业健康保险的比较，揭示重大疾病商业健康保险的必要性和重要性，并基于我国当前商业健康保险的种种缺失提出若干意见和建议。 Abstract： Through the comparison of social medical insurance and commercial health insurance in China， this article reveals the necessity and importance of major disease commercial health insurance， and puts forward several opinions and suggestions based on the current lac