Study On The Comparison And Linking Between Commercial Health Insurance And The New Rural Cooperative Medical Service

The party and the government think highly of farmers'health care problem. Rural cooperative medical care system worked as a medical care system in the rural had played important roles in satisfying the farmer's basic medical treatment needs and reducing the burden of farmers. But along with the changes of the Times and social development, rural cooperative medical care system has gradually declined, and farmers have become almost any health-care group. After entering the 21st century, the farmer medical security requirements are increasing. So the country begins to implement the new rural cooperative medical care system, and the new exploration.The implementation the new rural cooperative medical care system is a significant move in the process of the new rural construction. But we must realize that establishing the new rural cooperative medical care system is a complicated system engineering, which refers to policy, broad and restricting factors, the concrete work will face many difficulties and problems. In order to establish and perfect the new rural cooperative medical system, it is necessary to study how to solve the new rural cooperative medical problems encountered in the process of implementing the new rural cooperative medical care system, so as to promote it healthy development.From reviewing the development of rural cooperative medical treatment, the article reveals the background of the new rural cooperative medical care system and describes the recent years'situation of new rural cooperative medical, and analyzes the achievements and some problems happened in the situation of pilot process. Meanwhile, the article analyzes the existing advantages and disadvantages of the development of the commercial health insurance, and analyses the advantages of commercial health insurance just can compensate for the disadvantages existing in the new rural cooperative medical care system. Commercial insurance company actively involved in the, has achieved a lot of valuable experience. Commercial health insurance play an important role for adding to the basic medical insurance from the coverage and the degree, but it still exists many problems in the process of commercial health insurance participating in the new rural cooperative medical treatment.Finally, this paper analyzes the space between the commercial health insurance and the new rural cooperative medical care system, which has policy space and practical needs. Then this paper puts forward some cohesive mechanisms, such as participate actively change the system structure of commercial health insurance participating in new rural cooperative medical, establish the medical management model, strive for more policy support, and the commercial insurance company establish specialized risk control system and enrich their products to meet different demands so as to make commercial health insurance better implementation with the new rural cooperative medical treatment.