Health insurance or health insurance ( Medical Insurance ), referred to asMedicare , health insurance , is a common safety one of the main policyholder cope with unpredictable medical service demand and financial risks .
Generalized health insurance, also known as health insurance, it is not only compensate for the disease to people, bring direct economic losses, namely medical expenses, but also to compensate for the indirect losses caused by the disease, such as lost income, wages, childbirth, disability and death, also financial compensation.
Policyholders who need to use health care services, a fixed cash compensation available to subsidize their medical expenses in full or in part.
Classification [
According to the general nature of the insurance business is divided into:
- Social health insurance: general contractor by the government, by means of economic, administrative and legal means to enforce and organizational management.
- Commercial health insurance: Usually Baoxiangongsi by the contractor, for commercial purposes, generally does not participate in the government, to take the principle of voluntary participation. Chinese commercial health insurance business Baoxiangongsi often develop stringent safeguards, basically, "Paul refuses to keep alive" so that policyholders can not be truly effective health care, so that the insurance is seriously out of open mind, to become life insurance a part of.
History
In 1883, the German Bismarck government promulgated the "Sickness Insurance Act," the implementation of social health insurance. After that, the United Kingdom , France , Austria , Belgium , the Netherlands and other countries have followed Germany to enact legislation to establish health care system. Japan's lead in establishing a health care system in Asia in 1922.
The United States was established in 1965 social insurance nature of the Medicaid program, to poor elderly, the disabled, single parents, etc. to provide some basic medical services free of charge by the government-funded, paid health insurance business is still the main class, and gradually form a diversified health care system.