The Analysis On Influence Of Basic Medical Insurance To Diagnosis And Treat

This paper is interested in the following phenomenon: the medical frameworks pay attention to if the patient has taken part in the Basic Medical Insurance System; A lot of people have so many miseries in the medical fees, but at the same time, always a few people waste the limited medical resources. In order to clarify the essence of these phenomenon: people excluded by the Basic Medical Insurance System have obtained the medical service unfairly, compared with the beneficial people, the medical service for them are less in quantity and quality. Besides, most of the patients have so heavy burden in medical fees that some reasonable medical demands have restrained, and the deep reason for them is the universality of "moral hazard"in medical market. The author chooses two diseases in one Basic Medical Insurance special hospital, and collects all patients'information, including the whole statements of accounts and case histories. Then analyze the two colonies contrastively. The paper begins with indications of hospitalization problems in our general life, discusses the relevant studies. Then introduces some primary concepts and policy background in Wuhan, because this is the context of the following analysis. Afterward, the author specially narrates the analytic mode, explains why choose the two diseases and the indexes, and indicates the aim and meaning of the paper. In virtue of some graphs and descriptive analysis, the second part proves that inequality certainly exist between the two colonies, and most of patients'medical demands are restrained because the current expensive fee-for-service. Some information from case histories makes clear that the moral hazard of medical market in current Basic Medical Insurance policies of Wuhan results in obvious rent-seeking activities. Subsequently, the third part points out the conclusions of the paper and the deficiencies of it based on the difficulties of data acquirement etc. At last, the author advances the corresponding countermeasures aiming at above conclusions.