The Consumer Of Township Dwellers Basic Medical Question Research

With economic development and social progress, people's living standard has been improved continuously, health care awareness is enhanced, and medical expense is increased rapidly as well. But for a long time, there is no medical insurance system for urban residents, which is considered the vulnerable group. A significant portion of urban residents do not have stable income, and there is limited budget for medical expense. Therefore, the common problem of'difficult and expensive medicals'is more critical for them. The entire medical expense is covered by the patient and his family, even if the patient has serious illness. Families could be turned poor due to major diseases. To solve this social problem, the State Council issued'Guideline from the Sate Council regarding pilot project of basic medial insurance for urban residents'on July 10, 2007. The guideline initiated basic medical insurance system in 79 cities. The system is focused on general health care program for major diseases, and to change the current situation of missing medical insurance.This article used Xuchang as an example. By documentary study, questionnaire method and interview method, thorough investigation and research has been carried out in Xuchang, for description and analyst on demand-side of basic medical insurance system of urban residents. The effects of this system on medical needs of residents, risk management of major diseases, and improving health condition of residents, have been summarized and analyzed. This article is based on summary of experience and it analyzed problems happened in the process of establishing the system, the causes, and laws of the system. It can provide scientific basis on the on-going project of basic medical insurance system in Xuchang, and helps for improvement. The main parts of this article are:At first ,the introduction gives an account of topics of the causes and significance of the choice of subjects to explain the relevant research status of the relevant concepts have defined and described using the main research methods and research ideas of this article. Then briefly reviewed the medical insurance system in Xuchang city, the development process, from the co-ordination level and coverage, raising funds and standards for medical treatment and payment standards, regulatory agencies, as well as management, fund management and supervision of designated medical institutions in the management mechanism Xuchang City in terms of medical insurance system for urban residents is described in detail. And mainly tells the medical insurance for urban residents demand-side conditions of the empirical studies, mainly urban residents from Xuchang City, the medical insurance fund operation in Xuchang city, the coverage of medical insurance for urban residents, the composition of the insured in Xuchang city, the basic urban residents situation analysis, urban residents to the residents of cognitive health insurance situation and Xuchang city urban residents evaluation of health insurance for study. This is precisely this article place of innovation. As the same time, the medical insurance for urban residents in Xuchang city, the implementation process, some problems exist in a more detailed analysis, explores the root cause problems. And the obtained findings, put forward a sound health insurance system for urban residents some of the recommendations.