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ABSTRACTAcross the country, many large enterprises have established their own supplementary medical insurance, greatly reducing the medical burden on employees and improving China's complicated medical insurance system. However, due to the strong autonomy of enterprise supplementary medical insurance and the centralized management and use of insurance funds by enterprises or industries, the supervision of enterprise supplementary medical insurance funds cannot be ignored. The purpose of this paper is to study the current situation of enterprise supplementary medical insurance, analyze its future development, and put forward some policy suggestions, which has strong practical significance.KEY WORDS：enterprise supplementary medical insurance basic medical insurance insurance mode guarantee system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.......................................................................................................................
