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社保与商保的“混搭”发端于20世纪80年代末期,中国人民保险公司曾介入经办集体企业职工基本养老保险业务。同时,深圳蛇口工业区社保公司也曾与平安保险公司投资“联姻”。之后,在医疗保障领域内,新农合、城镇职工基本医疗保险大额医疗、补充医疗,以及城镇居民医疗保险先后出现过委托商保经办或合作经办的“番禺模式”“新乡模式”“江阴模式”等。
Social security and commercial insurance “mashup ” originated in the late 1980s, the Chinese People’s Insurance Company has been involved in the handling of collective enterprise workers basic old-age insurance business. At the same time, Shenzhen Shekou Industrial Zone, social security companies have also invested with Ping An Insurance “marriage ”. After that, in the field of medical insurance, the NRCMS, the basic medical insurance for urban workers, large-sum medical care, supplementary medical care, and urban residents’ medical insurance have successively appeared in the “Panyu Model” Xinxiang model “” Jiangyin mode "and so on.