Hardship And Solution: The Research Of Rural Only-child Family Medical Insurance

Medical treatment guarantee in the countryside is the foundation of medical treatment guarantee of the one-child family in the countryside. Medical treatment guarantee in the countryside of our country have two types: One is the system support of medical cooperation majority, the other one is no-system support, namely family clan guarantee. Medical cooperation used to be a Medical treatment guarantee in the countryside system with a high cost, it has been declining seriously with the lost of collective economy. Yet new agriculture cooperation implement the complement of "low price, high rate", the higher the rate is, the higher the price is, the less possibility of hygienic service used by farmers. As for the high rate rich people more capable on payment than poor people, so they may more enjoy the service, rich people from medical cooperation, new type medical cooperation lack of fairness. Since former medical cooperation disintegrate, and new type medical cooperation should be perfect, so family and clan guarantee have been playing a important role these days. In order to make sure of important role of family clan guarantee, and make analysis of how much salvation can be gain of a family with more children or children with close brother or sister when suffer from illness. This study has a questionnaire on three countryside and get the conclusion. A family with more children or children with close brother or sister can gain more effective family clan salvation when suffer from illness. The long existence of "Different Order Pattern" has decided that the share system of family risk still play a important role in modern society, but one-child family won't enjoy this important defend system because of lacking of ties of blood. One-child family in the countryside is facing at empty house providing for the aged unexpected injury of children and growing into useful and so on, and which make it become risk family is the medical risk evoked by illness. As for one-child family in the countryside, on the one hand, because of one-child and low quantity, limited aged resources, the illness risk growing with the age, one-child old people should be treated by someone; on the other hand, because of lacking of brother and sister and lack of ties of blood, the child in one-child family will lack of salvation by each other when suffer from illness.Interview information shows that: as for old people of one-child family in countryside, the risk evoked by illness will be much more than by the risk of providing for the aged. The reason is that once old people get ill seriously or get chronic disease, the medical payment cannot be divided among their children, so one-child family will face at a more misfortune because of a large sum of medical cost. Children of one-child family in countryside, they are underling greatest pressure and responsibility. The risk of four persons of former generation and education unexpected injury has shifted to them. At the same time, they should also face for the risk from themselves. Since they don't have brother and sister, the share system of family risk with the foundation of the ties of blood has been weakened a lot.We should make some avoidance and management when risk comes. At present time, the one-child family in countryside of our country is facing for serious medical risk because of lacking of effective medical treatment guarantee. Our country should take the responsibility to help the farmers avoid the risk. This is not only necessary for social fairness, but also necessary for the building of social harmony.After analyzing, the measures to solve the medical problem of one-child family in countryside: the government should make good aim in order to avoid those broke the market economy rate, make sure that all the communities in the society can share medical treatment guarantee fairly, even can first solve the medical problem of weak community of "save of time", solve the problem of aged protecting, improve the quality of health and living of old people. Finally, broke the economic pattern of city-countryside duality in order to make harmonious development of both city and countryside.