Research On Rural Medical Insurance

Rural medical insurance system is very important. It has a very considerable practical significance for protecting the medical security rights of rural residents, promoting rural community building and development, and promoting the healthy development of the national economy. Setting up and improving rural medical insurance system has its importance. It can not only improve the health of the rural population, but can also narrow the gap between urban and rural areas. However, at present, the construction of rural medical insurance has just started, the level of medical protection is generally low. Therefore, our country must speed up the the establishment of rural medical insurance system and pefecting rural medical security system.In addition to Introduction, this article researches rural medical insurance mainly from four parts:The first part introduces rural medical insurance from five aspects generally. First it is the concept of rural medical insurance, as well as its four characteristics. Followed by the introduction of rural medical insurance basic form, including cooperative medical care, medical insurance, co-ordinate settlement of medical expenses, and medical assistance. Afterwards it is the feasibility of rural medical insurance, including policy foundation, financial support and practical achievement. And then it introduces the necessity of rural medical insurance, including the need to solve the difficult rural medical problems, the need to improve the health of the rural population, and the need to narrow the gap between urban and rural areas. Finally, it introduces the importance of rural medical insurance briefly, including protecting the basic rights of rural residents, promoting rural community building and development, and promoting the healthy development of the national economy.The second part is the analysis on the status of the rural medical insurance. The development of rural medical insurance obtaines a certain grade, but there are also a lot of problems. First, this article introduces the rural medical insurance system, focusing on new rural cooperative medical system, including the characteristics of new rural cooperative medical, fund-raising and management of new rural cooperative medical, and the claims manners of new rural cooperative medical. Then it analyzes the achievement of rural medical insurance generally. Finally, it analyzes the problems of rural medical insurance, major including imperfect rural medical insurance system, the lack of rural medical insurance funding sources, unreasonable allocation of medical sources in urban and rural, regional imbalances in regional economic development, the lack of policy and legislative protection, and the barriers on the implementation of new rural cooperative medical.The third part is the analysis on foreign countries' rural medical insurance system. First, it introduces a few of typical countries' rural medical insurance system, respectively, including Thai's community cooperative medical insurance system, Brazil's health care plan system and Mexico's public health insurance system which belong to Anglo-American law; and Japan's national health insurance system, German's statutory health insurance system and French agricultural mutual insurance system which belong to Civil Law. The it analyzes the model and learning from foreign countries' rural medical insurance system. It mainly includes strengthening Government's guiding role, expanding sources and strengthening management of fund, building comprehensive rural healthy institutions, perfecting the rural medical assistance system, and setting up urban-rural integration medical insurance system.The fourth part focuses on the dissertation of improving and perfecting rural medical insurance from five aspects. Firstly, it is establishing the thought of rural medical insurance development. It implements different medical insurance systems in accordance with the different practical situation separately, and improves the level of medical protection step-by-step. Secondly, it is insisting on the principles of rural medical insurance development, including gradual and progressive development; system priorities and overall planning; multi-funded and shared responsibility. Thirdly, it is clearing the direction of rural medical insurance development, including expanding the coverage, increasing the objects of protection, and improving the level of protection. And then it proposes the overall responses about improving and perfecting rural medical insurance, including speeding up the legislative process, increasing Government's support, setting up pefect rural medical security system, improving the level of rural medical services. Finally, it puts forward to the specific measures about improving and perfecting rural medical insurance, including implementing different medical insurance systems in different rural areas, focusing on the implementation of new rural cooperative medical system, and introducting commercial medical insurance system appropriately.