The Integrated Study On The Basic Medical Security System

The gradual execution of the basic medical insurance system for urban working people and new type of rural cooperative medical care system as well as the frame of the basic medical insurance has given rise to the foundation of our nation medical insurance system. The medical security is the most important part of the social security, while the general medical insurance is the base of our national medical insurance system. Improving the basic insurance system can not only preserve social stability and promote social development, but also to some extent ease the problem of"too hard and too expensive to see a doctor", thus realizing the fairness of the whole society. However, the present medical insurance system still has many problems remaining to be solved. The causes such as the difference between town and country and the division of the systems lead to its low efficiency and unfairness. All this calls for integrating the basic medical insurance policy, setting up and improving a brand-new policy with the consistency of town and country aiming at "more coverage and more layers", which is the requirement of social fairness and high efficiency.Based on the current domestic and foreign study and relevant theoretical integrated study on medical insurance system, taking Shaoxing for example, this article analyzes the civic present situation about the basic medical insurance system, summarizes the fruit achieved so far as well as the problems including lacking systematicness and integrity, the wide difference on fundraising and compensation guideline, frequent occurance caused by"systematic temptation"and inconsistency of management system. It further touches upon the real cause hidden by all these problems: lack of legislation standard and systematic design of the system; the government function out of place; shortage of financial support; the existence of difference between town and country; the vacancy of the third party as buyers. According to these cause and effect, the article puts forward the thinking of integratedly developing the basic medical insurance system, remove census register barriers and set up basic medical insurance system for all the people, remove section barriers and set up uniform medical insurance system for all the people, and remove policy barriers to set up and reset up the orientation of the government in the basic medical security system. The article submits detailed information about setting up a entirely new system characterized with"more coverage and more layers", about setting up consistent fundraising and compensation mechanism, and about setting up consistent relevant regulatory agency and reasonable division among the government, individual, family and work unit.