Commercial Insurance To Participate In The New Rural Cooperative Medical System Countermeasures Study

As the main component of social security system, the medical insurance bear the stable national and social redistribution and safeguard people’s health effect. In the economic globalization, the rural medical security problems still is a worldwide difficult problem. With the rapid development of the national economy, increasing public financial investment and improve the level of rural medical security is very urgent things. In October2002countries issued related notice to rural health work puts forward specific working target, put forward at the same time, we must carefully study the commercial insurance and the new rural cooperative medical management cooperation of the new mode, actively promote the new rural cooperative medical service health development. However, social demand is very urgent, commercial insurance to participate in the new rural cooperative medical’s enthusiasm was reduced. So, for farmers, commercial insurance, government several levels, the new type of rural cooperative medical care and organic combination of commercial insurance has an important meaning, this is also the purpose of writing this article. This article mainly composed of five chapters:The first chapter, analysis the new rural cooperative medical insurance concept, characteristics, working principle and working target, at the same time analysis the new rural cooperative medical’s way of handling, and puts forward the commercial insurance is necessary to participate in the new rural cooperative medical handling work. The second chapter, through the foreign rural medical insurance model to carry on the analysis, proposed in the countryside of current our country medical insurance should take social insurance mode, and analyzes our country insurance to participate in the new rural cooperative medical construction mode of development, there are three kinds of concrete modes: the principal-agent model, insurance compact, mixed mode.The third chapter, mainly from Governments, insurance companies and medical institutions, farmer level three perspectives and in-depth on the construction of new rural cooperative medical insurance in China to participate in specific analysis problems. Part four, in response to these questions, this article first of all from the dimensions of the countermeasures of the Government:the current new-type rural cooperative medical system of innovation, with sustainable development based on strategic thinking of the development of new rural cooperative medical system. The four chapter, In view of above question, This article first proposed the corresponding countermeasure from the government stratification plane:Carries on the innovation in the current new rural cooperatives medical service system foundation, By sustainable development strategic concept develop new ruralcooperatives medical service and so on; Next,Proposed the corresponding countermeasure from the insurance industry:Proposed countermeasure policy of the insurance participate new rural cooperatives medical construction using the Sun Zi Bingfa militarystrategy; The last,Correspondingly proposes the countermeasure plan from the farmer stratification plane:Proposed countermeasure using the system theory in view of the farmer stratification plane. The fifth chapter, it is concluded that the results of the study theory.On the basis of conscientiously study and reflection,specific measures were recommended based on the operational level to the actual, For example:Unify the mode that the new agriculture matches a construction development, Integration and expenses standard that appointed insurance company and medical treatment organization cooperate, Strengthen the infrastructure construction of the village medical treatment and medical treatment a talented person to foster etc. To help truly right into China’s insurance industry step development.