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他山之后,可以攻玉。本文试图对国外的医疗保险制度作一扼要介绍,以期对我国正在进行的医疗保险制度改革有所借鉴。 美国的医疗保险制度 (一)医疗保险的种类。美国强大的医疗保险制度可分为六大类:1、医疗费用保险。给付医院临床、伙食(美国住院制度病床收费包括病人伙食在内)、化验、专用设备使用、护理、一定的药物和材料等费用,对病者最多住院天数和病床最高费用都有规定。2、一般费用保险。给付门诊、医生出诊、药物及一般医疗费用,但不包括手术费。3、外科手术费用保险。对每次手术有最高限额规定。4、巨额医疗费用保险。承保非一般性的巨额医疗费用,有
After his mountain, you can attack jade. This article attempts to make a brief introduction of the foreign medical insurance system in order to draw lessons from our ongoing medical insurance system reform. The United States of America medical insurance system (A) the type of medical insurance. The United States strong medical insurance system can be divided into six categories: 1, medical expenses insurance. Fees for hospital clinical, meals (American Hospital System bed charges including patient meals), laboratory tests, special equipment use, care, certain medications and materials, etc., provide for the maximum number of hospital stays and the maximum bed cost. 2, the general cost of insurance. Outpatient visits, doctor visits, medications and general medical expenses, excluding surgery fees. 3, surgical expenses insurance. The maximum limit for each operation. 4, huge medical expenses insurance. Unbounded huge medical expenses, there