Research On Perfecting The Basic Medical Insurance Policy For Urban Employees

The basic medical insurance system of urban worker, and the urban resident basic medical insurance, new rural cooperative medical constitute "three pillars" of the basic medical insurance system in China. As the earliest establishment, the highest level of security, running relatively perfect system, the operation mechanism of the basic medical insurance system of the urban worker has reference effect for the development of other medical security system. Although the reform steadily have made great achievements, as a new system there are some problems during its operation process. This paper uses literature review, questionnaire investigation, factor analysis and other research methods, combined with the Shanghai city to carry out empirical analysis, to improve the basic medical insurance system for urban workers.From the aspect of state and local, the first part mainly discusses the basic situations of the basic medical insurance system for urban employees. Through the comparison between the design of the system, in the face of the question is of certain similarities. According to the research in Shanghai, it is conducive to the development of other provinces and cities.The second step is to study the Shanghai urban employee basic medical insurance system in general analysis and further analysis. Through the general analysis of Shanghai city basic medical insurance system for urban employees, it can draw the outstanding problem of basic medical insurance of internalizing and externalizing. The further analysis is from the city insurance system operation efficiency, on the basis of investigation and multiple factors analysis, putting forward the countermeasures and suggestions to lighten the burden of insurance urban workers.Then, combined with the data analysis and theory review, to improve the operation of the system needs promoting the individual account policy reform to improve the basic medical insurance’s capacity to answer a risk and Increasing the study of the insured personnel individual burden. Only in this way can we ensure the equity and efficiency of the basic medical insurance system.