中文摘要：

目的总结我国基本医保制度存在的缺陷以及实行健康保险的意义,分析我国基本医保转变为健康保险存在的制度障碍,探讨在我国将基本医保转变为健康保险的具体措施。方法通过文献查阅、二手数据的收集、比较与分析,从不同角度进行定性定量分析。结果在我国,基本医保转变为健康保险具有一定的可行性。主要措施包括：政府政策支持;建立商业保险公司与医疗机构之间的新型战略合作关系;构建商业健康保险专业监管的系统框架;细分产品,有效控制风险;建立人才储备机制。结论中国基本医疗保险转变为健康保险有可行性。

英文摘要：

Objective In order to provide some recommendation to transform basic medical insurance to health insurance in China,disadvantage in basic medical insurance system and meaning of carrying out health insurance were summarized,and the system obstruction which existed in transforming basic medical insurance to health insurance were analyzed.Methods Literature and secondary data through different methods were collected and analyzed.Results There existed possibility in transforming basic insurance to health insurance.Measures：the government should establish policies to support it;set up the strategic relationship between commercial insurance companies and medical institutions;establish the supervising framework of health insurance;subdivide products and control risks effectively;build the system for human resource.Conclusion There existed possibility in transforming basic insurance to health insurance.