本文梳理了我国职工补充医疗保险的政策演进和各地现状,并对存在问题进行了剖析。研究认为,我国职工补充医疗保险在责任主体、筹资来源和可持续性、待遇设计以及经办管理等方面差异较大,尚处于各自为政阶段,亟须规范统一,以提升多层次医疗保障体系中“补充”层次的精准性和保障水平,切实减轻职工高额医疗费用经济负担。

This paper summarizes the policy evolution, the present situation of supplementary medical insurance for employees in China, analyzes the existing problems. The conclusion is that China's supplementary medical insurance for employees is quite different, fragmented in terms of liable entity, financing source, sustainability, treatment design, claim management, fund administration. It is urgent to standardize, unify supplementary medical insurance for employees, so as to improve the accuracy, security level of the supplementary layer in the multi-level healthcare security system, to alleviate the economic burden of patients with high medical expenses