内容摘要在全国范围来说，很多大企业都各自建立了企业补充医疗保险，大幅度减轻了职工的医疗负担，完善了我国多层次医疗保险制度。但由于企业补充医疗保险自主性较强，保险资金由企业或行业集中管理和使用，企业补充医疗保险资金的监管问题也不容忽视。本论文的目的在于研究企业补充医疗保险的现状，并分析其未来发展，提出一定的政策建议，具有较强的现实意义。关键词：企业补充医疗保险基本医疗保险保险模式保障体系ABSTRACTAcrossthecountry,manylargeenterpriseshaveestablishedtheirownsupplementarymedicalinsurance,greatlyreducingthemedicalburdenonemployeesandimprovingChina'scomplicatedmedicalinsurancesystem.However,duetothestrongautonomyofenterprisesupplementarymedicalinsuranceandthecentralizedmanagementanduseofinsurancefundsbyenterprisesorindustries,thesupervisionofenterprisesupplementarymedicalinsurancefundscannotbeignored.Thepurposeofthispaperistostudythecurrentsituationofenterprisesupplementarymedicalinsurance,analyzeitsfuturedevelopment,andputforwardsomepolicysuggestions,whichhasstrongpracticalsignificance.KEYWORDS：enterprisesupplementarymedicalinsurancebasicmedicalinsuranceinsurancemodeguaranteesystem目录企业补充医疗保险现状及发展研究.........................................................................................1一、企业补充医疗保险的概念................................................................................................1（一）企业补充医疗保险的概念与作用...........................................................................1（二）企业补充医疗保险与基本医疗保险的区别......................................................2（三）企业补充医疗保险的不同模式及各自优缺点.................................................3二、文献综述.....................................................................................................................................5（一）国内研究文献综述...........................................................................................................5（二）国外研究文献综述...........................................................................................................5三、企业补充医疗保险现状分析...........................................................................................6（一）我国企业补充医疗保险的现状.................................................................................6（二）国外企业补充医疗保险的现状.................................................................................6（三）我国企业补充医疗保险的不足.................................................................................7四、我国企业补充医疗保险发展中面临的困难............................................................9（一）基本的医疗保险制度不完善......................................................................................9（二）缺乏科学合理的风险控制策略.................................................................................9（三）保险市场存在严重的恶性竞争..............................................................................10五、对我国企业补充医疗保险发展的政策建议.........................................................10（一）完善企业补充医疗保险的经营管理体系.........................................................10（二）加强政府对企业补充医疗保险的指导..............................................................11（三）建立完善的企业补充医疗保险制度..............................................
