| Our country is a typical agricultural country.There are a large number of farmers in poverty,so rural health care is a major livelihood issue for farmers,and a guarantee of the stable development of rural social economy.The current basic medical insurances of our country mainly include the medical insurance for urban workers,the medical insurance for urban residents and the new rural cooperative medical insurance.The new rural cooperative medical insurance system which aims at farmers has been implemented from 2003.It should be said that the new rural cooperative medical insurance system has made considerable progress in solving the basic health problems for farmers since it started a decade ago.According to statistics,the number of people who joined the system was 802 million in 2013;the participation rate mounted to 99%,and the actual funding per capita reached 370 yuan.Under the new rural cooperative medical insurance system,the ratio of hospital reimbursement for farmers is up to 75% or more,the ratio of actual township hospital reimbursement is nearly 80%,the actual county hospital reimbursement ratio exceeds 60%,and the actual outpatient compensation ratio is higher than 50%.The system has benefited 1.94 billion people from the beginning.Meanwhile,it continues to promote major disease security system,provide farmers the security for serious illnesses and effectively reduce the burden on farmers.However,in Jinan City,with the economic development,one fifth of famers in Medicare have been constantly faced with new problems,which need to be solved to promote the new system.The thesis is based on the domestic and foreign theoretical researches on health insurance for farmers as well as on the changes and running status of basic rural medical insurance system.Selecting relevant statistics of basic medical insurance fund from five counties with big population proportion in Jinan,it aims to elaborate on Jinan farmers' compensation in basic medical insurance system,which contains fund collecting in MBF,medical clinic compensation,hospital compensation,and other major diseases compensation,etc.Meanwhile,it studies the payment of medical institutions involved,so as to find practical problems on financing,supervision department management,medical institutions' moral hazard,government functions and other aspects of the rural medical insurance in Jinan City.To deal with the problems,the article raises four suggestions: to increase financial investment,improve funding levels and perfect compensation scheme;to improve the compensation scheme;to strengthen moral hazard control;and to strengthen the construction of government functions. |
