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一、多元化的美国医疗保险制度美国现代医疗保险诞生于1929年。50—60年代,保险公司提供的绝大多数医疗保险项目,涉及了三方面的基本费用:住院费、外科费用和相关的医生服务费。70—80年代,美国的医疗保险业根据公众的要求,开始提供更为全面的、综合性的大额医疗费用保险项目,提高了补偿水平,其保险给付金额可由5000元到几百万美元不等。与此同时,医疗保险的方式随着保险风险评估主法和补偿管理
First, a wide range of the United States medical insurance system The United States modern medical insurance was born in 1929. In the 1950s and 1960s, the vast majority of health insurance programs offered by insurance companies covered three basic costs: hospitalization, surgery, and related doctor services. In the 1970s and 1980s, the U.S. medical insurance industry started to provide a more comprehensive and integrated large-sum medical insurance plan according to the public’s request, raising the level of compensation. The insurance coverage can be from 5,000 yuan to several millions of dollars Wait. At the same time, the way of medical insurance is assessed along with insurance risk assessment and compensation administration