| The medical insurance system for urban and rural residents in 28 provinces within the scope of the pilot, to promote comprehensive nationwide in 2015, as a guarantee the people to avoid major disease caused poverty policy, to a certain extent, reduce the medical burden of patients with major disease insurance, the medical system reform plays actively promote the role, but there are some problems in the actual implementation process. In order to more scientific analysis of medical insurance policy implementation, according to the medical insurance for urban and rural residents of H city as an example, from the definition of ill health of urban and rural residents, such as the concept, the development process of medical insurance in China are reviewed, the residents through questionnaire survey and statistical analysis of urban and rural residents has been rough H policy the satisfaction index of H in urban and rural areas, the use of data analysis software professional statistical analysis of the data of medical insurance reimbursement for urban and rural residents of H city hospital, more scientific and accurate H city urban and rural residents illness insurance compensation after the actual reimbursement ratio and other indicators, and through the data analysis to calculate the actual reimbursement ratio is low, financing the low level and the medical insurance fund expenditure pressure, reimbursement cumbersome procedures and other issues. Through the analysis in the main mode of serious illness insurance for domestic commercial insurance institutions, from the United Kingdom and the United States, Germany medical safeguard the successful experience, put forward to perfect the medical insurance laws and regulations for the H City medical insurance sustainable development, broaden the serious illness medical insurance fund financing channels, the appropriate dynamic adjustment of policy parameters, optimize the structure of expenditures to promote the reform of Medicare payment methods to control the excessive growth of medical expenses and other countermeasures. |
