对推进企业补充医疗保险的思考

目前我公司系统多数企业均按属地原则参加了当地的基本医疗保险,但是在“低水平、广覆盖”的原则下,企业职工患病自付负担过重,不利于职工队伍的稳定。因此,企业需要建立补充医疗保险来解决这些问题。本文从建立补充医疗保险的必要性;如何建立补充医疗保险;建立补充医疗保险的实践;企业补充医疗保险的完善等方面进行分析,从而将建立补充医疗保险的方法、措施形成一个较为完整的体系,真正达到促进企业医疗改革,解除职工医疗后顾之忧,稳定职工队伍,对树立以人为本,构建和谐企业,增强企业凝聚力,促进企业发展起到积极作用。

THINKING ON PROMOTION OF SUPPLEMENTARY MEDICAL INSURANCE BY ENTERPRISE

Most enterprises of our company's system participated in the local basic medical insurance according to the possession principle at present. But under the principle of "low-level and wide participation", the medical cost paid by employees is still overburdened, which is unfavorable to stabilize the staff and workers ranks. Therefore it is mecessary for enterprise to establish the supplementary medical insurance to solve these problems. This paper analyses from setting up such many aspects as the perfection of supplementary medical insurance, etc., thus setting up the methods and measures of supplementary medical insurance and forming a comparatively intact system to really reach and promote enterprise's health care reform, removing worker's medical worry, stabilizing staff and workers ranks and playing positive roles in the works of taking man as foundation, building harmonious enterprises, strengthening cohesive force in enterprise and advancing development of enterprise.