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小额健康保险是解决低收入群体医疗保障问题的重要方式,它以费率低、投保方式灵活等特点而倍受欢迎。大力发展小额健康保险不仅可以有效解决我国医疗保障水平偏低的问题,而且有利于降低财政支出,促进经济全面发展。本文从投保人资格、保险责任、受益人等方面介绍了秘鲁小额健康保险发展的现状以及在管理、风险等方面存在的一些问题,以期为我国发展小额健康保险提供参考。
Micro-health insurance is an important way to solve the medical security problems of low-income groups. It is popular because of its low rate and flexible insurance method. Vigorously developing the micro-health insurance can not only effectively solve the problem of the low level of medical security in our country, but also help to reduce the financial expenditure and promote the all-round economic development. This article introduces the current situation of the development of Peruvian micro-health insurance and some problems in management, risk and so on in terms of eligibility, insurance responsibilities, beneficiaries, etc., in order to provide reference for the development of micro-health insurance in our country.