Analysis Of The Medical Insurance System

(1)About The Thesis and MethodologyMedical insurance is a major event about the national economy. The design of the system impacts the interests of thousands of households. The voluminous article on the improvement of the medical insurance system, insurance has been a hot issue. The design of the medical insurance system is a global problem. This is due to the special nature of the medical insurance decision, as medical insurance faced by the risk of moral hazard and adverse selection is much higher than other forms of insurance. The medical insurance system has been designed on the goal that design a rational system to control them within reasonable limits so medical insurance will not fall into crisis and the brink of collapse.Most of the study on medical insurance is by the construction of constraint conditions to find a solution to the problem. The study of insurance economics methodology, which Arrow did in 1953, was a major breakthrough. I believe that the medical insurance system designed to solve the difficulties by analyzing the condition of insurance in all aspects of the behavior patterns of the main ways to find the crux of the problem. Also be associated with a medical insurance from the medical insurance system to identify reasons for the evolution of the system. In this paper, the medical insurance is the most important medicine circulation system. Drug pricing system, and "support to drug treatment," with the medical insurance system in the history of the evolution of the analysis. Also the period of national values of all the changes, the impact of the reform of the medical insurance system will be analysis. Only at this stage of our country's medical insurance system faces many difficulties, and the genesis of a wide range of analysis, will it be possible to find a practical solution.(2) Main ContentsChapter I is "Introduction to medical insurance." The purpose of this chapter is to define concepts. It is necessary to clear exposition of the concept of laying a foundation for the future. This chapter first section starting from the definition of the disease, the concept of clear risk of the disease. Section II describes the disease risk approach. Section III of the social medical insurance was introduced, including the origin and the establishment of social medical insurance system. Section IV of the operating mechanisms of social medical insurance, made a succinct presentation.Chapter II is "The Origin and Evolution of China's medical insurance system". Section I were to clarify public health, rural cooperative medical insurance and the medical history and origin of the process of building. Section II describes predicament of China's medical insurance system for urban. Section III discusses the transition period of China's medical insurance system. Section IV wrote ultimately establishes a medical insurance system for urban and rural cooperative medical insurance renewal.Chapter III is "Foreign Medical Insurance System". Section I of the medical insurance model for the classification. Section II of the typical countries -- Britain, Germany, the United States and Singapore, the medical insurance system briefings to further clarify the distinction between the various medical insurance models.Chapter IV is "Analysis of The Evolution of China's Medical Insurance System." Section I of this chapter applies game theory and the principal-agent theory to the medical insurance system for the analysis of the causes of moral hazard. Section II analysis the impacts from several major medical health insurance systems. Section III is of China's medical insurance system for the analysis of the specific reasons for the changes. Section IV based on the analysis of the system, the reform of China's medical insurance policy recommendations. Finally, section V is a part, has left some unresolved problems for future research.(3)InnovationsFirst China's planned economic system of public health and medicine under the conditions of the stabilizing role of medical insurance was also discussed. Second, this thesis analyzes the impact of the medical insurance system for medicine prices.Third, "to support drug treatment," the historical causes and the harm it conducted an analysis of medical insurance.Fourth, the medical insurance system for changing economic forces and the ideological motivation discussed.