The Research On The Compensation And Payment Model Of Hunan Province New Rural Cooperative Medical Fund (NRCMD)

China is a large agricultural country with900million rural population, How to solve the problem in rural areas lack of medicine and famrmers become poor or turn back into poverty because of disease.To maintain the health of farmers is Major event related to comprehensive Well-off society and socialist new countryside.The key to let New-type rural cooperative medical care to healthily and continue develop is to Formulates the reasonable raising fund standard and compensation program and payment of medical expenses. Fund Raising standards has been set currently, mode of compensation package and payment is whole key and the core to the new rural cooperative medical care system.The development of international medical insurance system proved:a reasonable standard and scientific funding the compensation model can not only promote medical and health institutions services regulately and guide the patient reasonable diagnosis and treatment but also control unreasonable medical expenses growth and improve the level of health care.This study applied the theories related to economics and health insurance. Firstly, Analysis China’s four major new rural cooperative medical fund compensation model of "big compensation or small compensation or both of above " and "compensation for out-patient costs or for hospital costs",then study the international major seven kinds of medical expenses paid of "fees paid by service or Capitation ". concluded their respective conditions of application and excellent shortcomings. Next make the new rural cooperative medical status of Yanling County of Hunan Province as the case, and with reference to the new rural cooperative medical system in Hunan Province construction results summary data and results, Zhuzhou City and other cities in recent years, the development of new rural cooperative medical care outcomes statistics to data and other information, from a direct reflection of the new rural cooperative medical care funds to pay part of mode effects targets---returns, participation in fitness, satisfaction, health resources, statistics, etc. configuration described, analyzed the existing problems of new rural cooperative medical care in our province payment mode in design and operation. the new rural cooperative medical care funds and evaluated the fficiency.Medical service quality. medical cost control and so Combined with the national "new medical reform" in the context of macroeconomic development of new rural cooperative medical trend of the new rural cooperative medical care in our province to pay the fund to improve or optimize the proposed model is given:hold the modle of "Compensation for the large-based and lillte-supplemented" and "Fair balance between efficiency priority "and reduce the ratio of risk reserve fund, and control the hospital compensation of township, county and city under300yuan, Using compensation modle according to the hospital level and the amount of medical expenses step by step, Taking Patient co-ordination and variety of payment methods to pay for medical expenses. Hope to provide theoretical support and constructive comments for our province even our country’s new rural cooperative medical system healthily and continue develop.