医疗保障法草案体系建设未列商保，法律功能、定位引发讨论

Core Viewpoint - The draft of the "Medical Security Law" aims to establish a legal framework for multi-level medical security systems and the development of commercial health insurance, providing clearer direction and expectations for the industry [1][2][5]. Summary by Sections Legislative Focus - The draft emphasizes the financing mechanism, responsibilities, and fund supervision of basic medical insurance, viewing commercial health insurance as a supplementary system rather than a core component [2][4]. - Experts argue that without a clear definition of the multi-level medical security system, the law may merely be a collection of various systems, lacking the ability to integrate effectively [2][6]. Multi-Level Medical Security Framework - Experts highlight that the multi-level medical security framework is not adequately represented in the draft, which could lead to disjointed development between public and commercial insurance [3][4]. - The draft outlines a three-tier structure of "basic medical insurance + supplementary insurance + medical assistance," focusing primarily on the integration of basic medical insurance functions [4][5]. Challenges in Current System - The lack of a comprehensive law in the medical insurance sector has led to challenges in the coordination between different systems, limiting the effectiveness of supplementary insurance [4][6]. - The draft's second chapter primarily addresses the basic medical insurance system, with minimal focus on the roles of commercial health insurance and other supplementary systems [4][7]. Regulatory and Legislative Recommendations - Experts suggest that the law should clearly define the roles and functions of various systems within the medical security framework to avoid a piecemeal approach [6][8]. - There is a call for the draft to include specific provisions for commercial health insurance, particularly regarding its regulatory oversight and integration with basic medical insurance [9]. Future Directions - The draft is seen as a foundational step for future legislation that could provide clearer guidelines for the development of commercial health insurance within the broader medical security system [5][9]. - Recommendations include establishing a "medical insurance-commercial insurance mismatch list" to guide the development of commercial health insurance products that complement basic medical insurance [9].