The Study Of Peasant Laborer's Medical Insurance In China

The peasant laborer is a new labor army who emerge in the process of China's reform and opening up, the industrialization and the urbanization, impelling the economic development and the social structure transformation in our country. The level of peasant laborer's education is generally not high, and the overall quality of the labor force is low, so most of them are engaged in labor-intensive and manual-based industries. Long working hours, high load of work intensity, poor living conditions and limited income, make this group need to obtain medical insurance to lighten their financial burden.However, the implementation of urban-rural dual system in our country is long-standing, deriving the dual economic structure, the dual social structure, the dual social security system which has been formed and solidified, peasant laborer has been excluded from the medical security system for a long time. Peasant laborer's insured rate was generally low as the difference between the regional insurance patterns and the difficulty of insurance relations' shift and connection and so on, although a few local governments developed their own medical insurance policy of peasant laborer. The present stage the research on the peasant laborer's medical insurance based on the importance of the peasant laborer' health safeguard and the urgency of the peasant laborer' medical insurance demands is of great theoretical and practical significance, such as, solving the "three rural" issue, promoting the city's construction, improving the medical insurance system and impelling social harmonious and justice.This artical made an analysis of the present situation about peasant laborer medical insurance in our country, took the correlated theories of medical insurance as the instruction and combined with a series of policy released by central and local government as well as the practice in some areas. Then carried on the questionnaire survey about peasant laborer's health status in Zhenjiang, health insurance needs and the insured situation and gave an analysis. The policies have the problems of application scope confusion, poor accessibility, financing mechanisms unreasonable and insurance continuation difficult and so on. So this article proposed the following perfect measures: defined the scope strictly; adopted guaranteeing both hospital and outpatient service, established the old age health insurance system to satisfy the availability; Improved the fund raising mechanism through established individual account, expanded fund, reasonable payment rates; The transfer of the peasant laborer medical insurance relationship by improved the overall level, shifted individual account and the overall plan fund, converted the payment age; Simultaneously, strengthen the information system and the household registration system, employment system, the legal aid system to optimize the operating environment; explored the way of the commercial insurance participating in the peasant laborer medical insurance operation pattern, such as the mode of operation, the operation of the project, funds and so on.