Evaluation Of The Fee-collection & Payment System Of Basic Medical Premium In Wuhan

Based on the analysis of the data collected by case-interview,questionnaire and literature methods, this research describes the implementation of the basic medical insurance system in Wuhan, and also evaluates the fee-collection & payment system which is the major part. According to the survey of the employed from the units joined medical insurance, it evaluates and analyzes the fee-collection & payment system of the basic medical insurance system, so as to discover the value of the system and the existent problems. This paper includes six parts as follows: The first part introduces the cause of this research and reviews the current research in this field and then explains the main content, meaning and methods of this research. The second part introduces the basic medical insurance system in Wuhan which includes the system-issued background, system-designed content, gradual adjustment in implementation and general situation of its implementation. The third part evaluates the fee-collection system from three aspects: individual payment capacity, payment capacity of the units and the proportion between the personal account and the social unified raising. It elicits these conclusions: The money raising level of the basic medical premium is inside personal and the acceptance ability of the unit. For personal account and two comparisons of the social unified raising allotment problem, the different individual has the different viewpoint. To some extent, be affected by the individual income level and healthy condition. The forth part evaluates the fee-payment system respectively from two aspects which includes the utilization, amount and payment range of the personal account, also includes utilization, payment range and proportion of the social unified raising. It elicits these conclusions: They develop some function, but can't satisfy the people's need nicely, especially for old people. We should consider building up an exclusively old-age health insurance to guarantee its medical treatment need; also should allow it purchases the business medical insurance with the account surplus amount. Basic medical insurance can not get away from the multilayer security system, the reform of the curative hygiene system etc. The fifth part discusses some related problems of the system: individual fee-bear capacity, the evasion of moral hazard and the construction of the multilayer medical security system. The sixth part gives the basic conclusion and points out some shortage of this research.