The Feasibility Of Establishing The Miniature Medical Insurance

In the last few years, the education, the medical service, the housing, the employment and so on several major problems are the problem that people cares for commonly most, the medical and health services of our country obtain the achievement, but with all reforms steadily push forward, the unsuitable contradiction between the medical health service system and people increases increasingly of healthy need is more and more prominentAs for the northeast state-owned enterprise , need to get rid of the difficult position, must implement manpower reduction and increase of efficiency, Laying-off and divided flow and so on the project, This every key one reforming among them are to finish resolving the laid-off workers arrangement. By almost annual effort, our country initially has already built up endowment insurance, unemployment insurance and a system for ensuring a minimum standard of living, the modern medical insurance system absence, becomes the present enterprise to turn the important obstacle of reform deeply. One large number of the laborer who is laid-off does not have fundamental medical security, without doubt meant the worker rights and interests cannot obtain the effective protection, doubtless meaning the worker rights and interests cannot get effective protection . The social equity can not reasonableness embodies, the labor force reasonably flows with the many kinds of systems of ownership economy communal development has received the quite big restriction. Can yet be regarded as one kind of good plan specifically for the medical security of these changing dignity staff and worker problem, building monotype medical insurance system.In the field of monotype insurance theory: Arab League , shell Nutter,Clise and Menasha, Rodell and Yajiai have separately produced the definition and some research: Taking the work and the dwelling place as each kind of basal community can organize to attend employment by one's own according to the different characteristic, earn the income and provide a society protection, having various special .For example, some people can organize, since they are engaged in identical occupation, or having identical sex , culture and religion and so on. In the field of the key element forming a group, like may the trust degree, leads ability, financing ability and organizational capability etc, every kind of characteristic has strong point and deficiency. These characteristics have very big effect to that range and speed that oneself tally inborn character social protection plans.Our country about this aspect fundamental research certainly is not specially many, the Chinese tradition medical service system mainly by the institution institution's public health services, the cities state-owned collective enterprise's labor insurance medical service and the rural cooperatives medical service three major part iscomposed.Whose main body part is to be geared to the needs of medical services at state expense and labor-protection medical care of city and town staff and worker. The Chinese workers medical service safeguard system establishment, the cities employment personnel which lacks the medical safeguard regarding the history insaid is an extremely important welfare, It plays the very major roleo to safeguards staff's hygienic health. But, because it is plans the work safeguard system the constituent, is moves under the plan system, is unable to adapt new situation of the economic restructuring. In November, 1998, the State Council "about Established Cities Staff Basic Medical insurance System Decision" center, to the medical insurance system reform duty and the principle elaboration, summarized reformed the experiment site the experience lesson, also has manifested the academic circles in the certain degree to the medical insurance system reform discussion achievement.I am that the case being built in original document theory and by interview person inquires into of basis to monotype medical insurance research. Studies result can only provide the certain reference for policy works out person.1. The miniature medical insurance main body is transforms the status unemployed. Establish they plan by transformation status staff to satisfy its society to protect first needs. 2. The miniature medical insurance finances also are the multi-channel mix finances the mechanism. Including government's fund aid, the member directly pays expenses, the insurance company provides subsidy and so on3. The miniature medical insurance fund restriction mechanism participation together in it, supervises together, in openness has its superiority But simultaneously also must pay attention to the expansion which organizes along with the association. Cooperates the institutional records of a reign to guarantee member's benefit in each aspect coordination.4. In the miniature medical insurance system, the government must give more supports, should establish and consummate the guarantee miniature medical insurance normal management the legal environment. Gives the more preferential policy in the tax revenue one to have to implements soon as possible and completes the medical health service system the necessary reform. Insurance cognizant agency when which to manage to each autonomous organization association the medical insurance carries on the surveillance. In the tariff formulation, the financial report system as well as compensates aspect the and so on paying rate profit rules and regulations and the measure wants the identical safe service to be different. Summarizes looked that, the miniature medical insurance plan main merit was they improved the medical disbursement result or between the medical service grade of service and the cost relations. This kind of plan participant rather participates in this kind of community to plan but is not willing individually to spend sees a doctor the main reason to lie in may through regularly pay expenses, the high medicine expense bill brings the debt question can reduce. Community has the financial ability enables the superintendent with to operate privately the medical attendance to provide the unit the negotiations, obtains better or a more valuable service by the same expense. This community has the possibility to be willing spend some money in the prevention and in the health promotion activity thus to reduce the medical service the expense. What it considered is precisely the current laid-off workers cares about the benefit, have grasped need of the vulnerable group.