Integrative Research On Beijing Basic Medical Insurance System

With the development of the economy in China and people's living standard improving,People's requirements for physical health and quality of life are becoming higher and critical.Medical expense are increasing,residents' personal expense burden are growing.Sickness could cause poverty,then poverty worsens illness,the same condition happens regularly.Basic medical insurance is an important issue which related to people's vital interests,has received the high attention from both the Central Party Committee and the whole society.China has basically formed a national coverage of the basic medical insurance system.This system consists of urban employees' basic medical insurance,Urban Residents' Basic Medical Insurance and New Rural Cooperative Medical system.Although these three systems has almost reached the national coverage at the policy level,but in the overall planning level,financing methods,funding management,insurance principles,payment levels,degrees of protection,there are still huge differences.These systems have several disadvantages as low-level co-ordination,unreasonable allocation of medical resources,low security level,unnecessary administrative departments,and high administrative costs,cannot reflect the fairness in society.It has aroused widespread discontent from general republic.It is not conducive to sustain and develop the basic medical insurance system.This article follows the idea of discovering problem,analyzing problem and solving problem.Take the Beijing basic medical insurance system as the research object.Take John Bordley Rawls' theory of equity,Arthur Cecil Pigou's welfare economics theory,and William Ian Beardmore Beveridge's model theory as guide.Using literature analysis and comparative study method,analyzes the present situation of the separation for Beijing basic medical insurance system.Summarizes the historical,economic and policy reasons for the separation.Demonstrate the necessity for integration of the basic medical insurance system from several aspects: incomprehensive insurance coverage,inconsistent reimbursement principle,different medical restrictions,and repeated administrative departments,etc.In this paper,the United Kingdom and the Netherlands are chose as an example.I will introduce the basic medical insurance system and the process of transformation in both countries.The United Kingdom was a typical model for establishing a unified medical insurance system since its inception;while Netherlands is a relatively successful case inwhich the separation of the basic medical insurance system reforming into an integrated system.Their patterns both have certain representativeness.Their advanced experience would have great value for reforming our basic medical insurance.This paper presents the plan of realizing the integration of Beijing basic medical insurance system in different phases.Step one,to reunion different security types;step two,to reunion different types of insurance.Integration for basic medical insurance carries big meaning for free flow of talents,smooth transition of insurance benefits,and improvement of equity in our country.It also helps to resolve the shortcomings of our current basic medical insurance,such as low-level co-ordination,week ability to resist risks,low security level,and high administrative costs.