Study On The New Rural Cooperative Medical Insurance System

With the deepening of China's urbanization, how to protect the peasant enjoy basic health rights and maintain their health, this is not only closely related to achieve the sufficient supply of labor resources in the process of economic development, but also directly determines the social harmony and stability in rural areas. The new rural cooperative medical insurance system in a certain extent alleviated the farmers'medical treatment problems, enhanced the consciousness of participate in the medical insurance and provided institutional guarantee for the stable development of economy and society in rural areas. However, the changes of economic and social environment in rural areas and the problems of the new rural cooperative medical insurance system have seriously restricted the effective operation of the system. At the present stage, how to improve the operability of the new rural cooperative medical insurance system and ensure the full enjoyment of the rights of medical insurance, has become a major issue of concern to the government and the academic community In view of this, this study by means of the point of view public goods theory, social security theory, welfare economics theory and the theory of social justice, undertake a comprehensive study of the new rural cooperative medical insurance system, which not only can enrich the theoretical system of rural medical security system, but also help to promote the healthy development of China's rural medical and health undertakings.The purpose of this paper is to promote the sustainable development of the new rural cooperative medical insurance system, and hope that it can provide the reference for the government to solve the problem of rural health care. On the definition of basic concepts and explain the relevant theory, the necessity of the new rural cooperative medical insurance system is in-depth analyzed, and the main characteristics of the present are summed up from the operation of the system process. The present development situation of the system is showed by means of its operation mode and the main achievements. The existing problems of the new rural cooperative medical insurance system mainly include the government responsibility, the fund raising, the medical system and the individual farmers. The paper also illustrates the medical insurance model of typical countries, such as Britain, the United States, Germany and Australia, and sums up the successful experiences and deficiencies.In view of these problems, the paper puts forward the recommendations to improve the new rural cooperative medical insurance system in China according to the current situation of farmers'medical treatment and the effective practice of foreign medical insurance system. Firstly, dealing with the new rural cooperative medical insurance system from the combination of top-level design and system refinement, urban and rural medical insurance, voluntary and mandatory and combining serious and minor illness. Secondly, from the establishment of the system of competition mechanism, the propulsion system of information construction, improving rural medical insurance service level and the construction of rural medical insurance evaluation system to put forward the effective operation of the system's platform construction. Finally, government providing multi dimension support, sources of funding should be multi-channel supply, establishing hierarchical network of medical institutions and farmers actively participate in cooperative medical insurance, which are the basic paths of the effective operation of the system.