Studies Based On The City And Countryside Integration's Our Country Society System Of Medical Care Insurance Innovation

With the development of Productivity,rural - urban integration is improving the urban and rural residents'production mode,living mode and habitation mode. During aspects of economy, society, politics, culture developing harmoniously and sharing resources and market with each other , it will achieve the goal of the harmonious development of economy, society and environment.Our country generally have been into the developing stage of "urge agriculture with the worker, bring the township with the city" ,which means that the stage is a key moment to form a path of agricultural modernization with Chinese characteristics during accelerating the transformation ,and broking the dualmedical care system .It is also important for china to enter a new stage of rural - urban integration in economy and society.According to international experience, rural - urban integration include the Social-Undertaking Integration,and the Integration of Social Medical Insurance System .As the main body of medical insurance, social medical insurance is also called fundamental medical insurance. It is one kind of insurance products which aim for satisfing the basic medical treatment of urban workers and rural inhabitants.The Government are hold it to carry out in force ,or act the model of government guiding.It is in relatively closed operation by the government ,units and staff (residents) with joint investment .The basic trend of China's current basic medical insurance system were changed in these aspects after the adjustment of planned economy's socialized medicine, labor-protection medical care and cooperative medical care system.1,according to the identity regional ,fund-raisingand and financing of insurers,in china ,excepting some areas where enjoy the free medical service ,the government has gradually set up the urban workers' basic medical Insurance,new rural cooperative medical system,and social medical Insurance in Urban Area .2,From the design and practical operation of management system,in most areas, the administrative organization of medical insurance which belong to Labour and Social Security department is responsible for fund functioning and management of urban health insurance ,whereas the management institution around which belong to health administrative department take the responsibility of the new rural cooperative medical system.Various systems close operation, cardinal will be limited.3,scattered management institution Resources,that means these resources from the government are dispersed in health administrative department and labour and social security department.These defects of The current basic medical insurance system are increasingly prominent. The fragmentation system is difficult to link; The holes of this system is hard to improve and multiple insured also is difficult to avoid; Adverse selections are difficult to overcome; Management costs really are difficult to improve efficiency.International experience gives a road to understand the integration trend of basic medical insurance system of urban and rural. To separate the political affairs by holding the formation of a limited liability company for basic health insurance, reforming the method of basic medical insurance fund financing and the payment of both supply and demand ,establishing social medical assistance and the fund of major diseases and so on are the only way to establish the basic medical insurance system for integration .