Research On The Medical Insurance Of College Student In The Perspective Of Health Risk

In any time, the problem of medical insurance is not only the object of study of medical science or economics, but itself is a synthetic social problem. Especially when the developed society is entering into an "after-medical era", the international emphasis of research on the reform of medical insurance has begun gradually changing from compensation of hospitalization costs to a period of health risk management and health maintenance,it has given directions to the reform and development of the college students’ medical insurance.The enthusiasm of the medical insurance is depended on the degree of its restraint to the happening of health risk. This research takes college students in Nanjing as the object of study, going deep into the research on conditions of college students’existing health risk at the present, trys to structure the college students’ medical insurance system which has the positive significance to restrain the health risk. Results turn out as the following:First of all, this paper finds that the health risk of college student is diversified and dynamic during research, it combines of the physiological health risk, the risk of behavior leads to illness, and the economy burden risk. This three specific risks have their group characteristic:1. On the health risk side, college students have the low probability of suffering form out-patients illness and being hospitalized,but most of them suffer from the common illness and remain sub-health;2. The risk of behavior leads to illness is a kind of common phenomenon, and it has the intimate relationship between illness and sub-health;3. Economy burden risk of college students has the differences which are influenced by personal economy, health state and the medical insurance degree. This three specific risks require putting up the insurance item which including illness prevention and health benefit, and improving the insurance level according to their interaction relationship at the same time. Second, medical insurance of college students is in a period of reforming and exploring. While the system runs steady and the service supply is in a high level, it has some lackness at the same time. First, insurance fund distributes unbalanced, and the common out-patients insurecance is at the low standard;second, medical insurance and service are in a statement of emphasizing illness but looking down on health care, and the prevention and health care item which is a kind of urgent need of college students is not in the rage of insurance; besides, the medical service market is lack of supervise, and the problem of medical insurance system unfair is urgent to be solved.With the problem of severe situation of college health risk and the existing disadvantages of medical health services, we should be aware that individual health is closely connected with the whole society’s risk controlling system and an medical insurance system with the function of risk controlling is a social civil right. Based on this, the author thinks that, we should build the positive medical insurance system of college students, putting the basic medical care, prevention and health life promoting program in the insurance for the target of health risk control, realizing the role change from economic supporters to risk managers.