A Case Study On Enterprises Collection And Management Of Urban Employees ‘Basic Health Insurance Fund In Xishuangbanna

Basic medical insurance is an important part of the country’s entire social security system.It is a medical insurance system in which the state adopts legislative forms and raises funds according to the principles and methods of compulsory social insurance to ensure that citizens of the whole society can enjoy basic medical security services..In recent years,with the continuous development of the socialist market economy and the growing demand for high-quality medical and health services by the people,China has initially established a basic medical insurance system for urban workers,a basic medical insurance system for urban and rural residents,and gradually built a society covering all societies.Member’s basic medical security system.The establishment of the basic medical security system can not only promote the rapid development of the socialist market economy,but also play an important strategic role in promoting social fairness and justice and realizing the redistribution of social public resources.It plays a role as a stabilizer and ballast stone for building a harmonious society.The function and utility.The basic medical insurance system for urban employees is a basic medical insurance system for urban employees and retirees in the process of urbanization.This paper selects Xishuangbanna Prefecture urban workers basic medical insurance collection and management process as the research object,which is based on Xishuangbanna Prefecture is the first batch of pilot city urban workers medical insurance system reform in Yunnan Province.After years of efforts,it has basically established a relatively complete staff medical insurance medical system.The insurance system and the collection and management system,however,still face some prominent problems in the process of implementing the system.Therefore,we use literature research method,empirical research method,comparative research method,focus on the status quo of urban workers’ medical insurance collection and management in Xishuangbanna,and discuss its existing problems.First,the medical insurance fund raising channels are not wide,the fund payment pressure is relatively large;The industry practitioners’ willingness to pay is low,and the medical insurance fees are difficult to collect.Third,the basic medical insurance premiums of some enterprises are underreported and underreported.Fourth,the personal accounts of the employee medical insurance pools affect the enthusiasm of participating in theinsurance;The enterprises that have been transferred to enterprises have long been in arrears with medical insurance,and the phenomenon of de-protection of laid-off workers has been highlighted.Through the analysis of the status quo of medical insurance collection and management of urban workers in Xishuangbanna,and drawing on the successful experience of domestic and foreign medical insurance collection and management mode,combined with the actual situation of Xishuangbanna Prefecture,we propose countermeasures to improve the medical insurance collection and management mode of urban workers in Xishuangbanna.First,explore diversified workers’ medical insurance.The fund raising methods include further broadening the financing channels of the medical insurance fund,and consolidating the safety of the employee medical insurance fund;and implementing the differential medical insurance fee collection strategy in combination with the actual use of the employer.The second is to strictly expand the “four customs” to expand the coverage of medical insurance,improve the rate of collection and management,and strengthen the supervision and control of the four gates of declaration,change,collection and audit.The third is to increase the enthusiasm of employees to participate in insurance,including strengthening the promotion of medical insurance policies,optimizing service procedures,and appropriately increasing the proportion of medical insurance expenses reimbursement.The fourth is to further improve the system of clearing debts and strengthen the ability to jointly clear debts,including establishing a system for clearing up the expenses of medical insurance for normal workers,and regularly carrying out joint debts for employees’ medical insurance expenses,ensuring that the medical insurance expenses of employees should be paid in full,and further improving the arrears of medical insurance for enterprises.The policy channel of personal accounts is convenient,the enterprise credit information system is improved,and the phenomenon of honesty and punishment is used to prevent enterprises from defaulting on medical insurance expenses.