Study On Medical Insurance Of College Student In The Context Of New Medical Reform

College students are important to the future development of the national personnel, and are useful to our country. Their health is related to the long-term development of the country and society. As universities continue enrollment in recent years, college students have become an important group of urban life. The question on medical insurance of college students has been forgotten over the past years in medical reform. It has been using the public health system that introduced in 1953. With the changing of socio-economic life and the rising health care costs, this system has had many problems. The security level has been lower and lower, and it is difficult to protect the basic health needs of college students. Until a new medical reform plan is unveiled in April 2009, the new medical insurance system of college students is eventually carried out a major reform—all college the students in school are included in the basic medical insurance for urban residents. However, the real effect of medical insurance system remains to be practiced in the society.Recalling the development history of the medical insurance system of college students in our country, it mainly has three stages: first, the establishment phase-free public health services; second, perfect stage - public health services combined with commercial insurance; third, phase of reform-public medical and commercial insurance combined with social insurance. Since the State promulgated the "Guidance on the scope of students into the health insurance of State Council" in October 2008, the localities have issued a "health insurance to residents of University Students in the guidance", and actively promoted the reform of college students'medical insurance system and started a new round of college students'health insurance reform.New medical insurance system of college students has a more clearly defined in the payment standard, medical care and services. Its system design is more reasonable compared with the past free medical care. It increases coverage of the college students'health insurance, at the same time it more perfects illness protection, and also more meets Chinese current realities. However, the new system has been implemented recently and is still in pilot stage, there are still problems to be further studied and resolved. First, the social insurance institutions and universities are lack of publicity and explain for the new system in order that college students do not understand for this new type of medical insurance, or even misunderstanding, and it affects the students enthusiasm and initiative of the insured; Second, it only protects the new college students who are seriously ill in hospital. This can not meet basic medical needs of most students. What the college students really need is the most basic outpatient medical care; finally, the already stretched urban residents'medical insurance fund is difficult to meet the needs of college students'medical insurance funding. Therefore, the new medical insurance system of college students should be further improved so that students can get better medical care to ensure their physical, mental health and fully development.At present, Chinese scholars are mostly based on the current situation in the description and putting forward some suggestions and countermeasures, but lacks deep empirical and theoretical research for study of college students'health insurance. For this phenomenon, this paper gives a detailed analysis on the characteristics of the college students medical insurance system in four foreign countries, such as the German implements compulsory health insurance; United States is the social health insurance and commercial insurance combined model;The United Kingdom is a national health care system; Singapore is mandatory contribution by the parents to establish health savings fund. In summing up the experience of foreign countries, and based on the actual situation in our country, this paper attempts to give students a basic idea that sets up the multi-level medical insurance system.The idea that sets up the multi-level medical insurance system includes the followings: First of all, the university should guarantee the basic needs of college students everyday minor ailment that based on the school hospital; Second, on the one hand the government should improve the system that brings college students into urban residents medical insurance system, on the other hand, medical insurance premiums paid by the college students should be established into special medical insurance fund. When college students are in temporary medical difficulties, they should be given financial help to a certain extent– Assistant Medical Loans; third, the College Student Association, the Home Department, Red Cross and other social organizations should establish college students'charitable foundations for medical assistance for poor students; finally, the formal commercial insurance companies should develop reasonable college students'medical insurance so that the qualified students can volunteer to be one. As a supplementary of medical insurance, it increases the level of medical care for college students. Thus, it can establish a full range of college students'health insurance system, which is "minor illness in school, serious illness in social insurance, and business insurance to add".In the building of multi-level medical insurance system, we should take universities, social insurance institutions, civil society organizations and business insurance institutions in to full play, increase government financial subsidies, establish college students health insurance fund, insist on the principle of "from the people, benefit of the people ", take the full protection of the basic medical needs of college students, avoid the occurrence of delaying treatment because of lack of medical cost, so that college students can comfortably learning and living.