摘要
德国医疗保障体系以法定医疗保险、私人医疗保险及特殊人群保险基本实现了全民覆盖。法定医疗保险除了雇主和雇员缴纳的保险费,还通过养老保险金转移支付和政府税收拨款等渠道筹集资金。法定医疗保险待遇按照补偿形式不同,可以分为医疗服务待遇和现金及护理待遇。作为欧盟成员国,德国还构建了国民在成员国间流动就医的保障机制。法定医疗保险的管理架构可以分为内、外两部分,并实现了疾病基金的自我管理,完善了公平的基金竞争机制,并积极发挥着非政府组织的作用。
Health insurance has covered all citizens through the Statutory Health Insurance, private health insurance and some special regimes in Germany. Statutory Health Insurance as the most important part is mainly financed by the compulsory contributions of the employee and employer, besides it also gain subsidies from the pension and German government. The benefits of Statutory Health Insurance can be divided into the service benefits and cash benefits. As a member of EU, citizens covered by the Statutory Health Insurance can gain the same benefits of health care when traveling abroad. The administration of Statutory Health Insurance is executed both inside and outside of the system, the self-governance of sickness fund and the discipline of competition has been promoted since its inception, besides the Statutory Health Insurance also value the importance of the non-governmental organizations.
出处
《中国医疗保险》
2012年第2期66-69,共4页
China Health Insurance
关键词
德国
法定医疗保险
现状
germany dtatutory, health insurance, status quo
