The Development And Improvement Of Universal Health Insurance System In Our Country

Medical insurance is an effective means to deal with the disease risk. Based on the risk of homogeneous disease with the incidence of social group and the medical expenditures to calculate how many the refund to collect from country ,unit and individual to compensate the loss from disease. The right of health is a performance of the right of survive and development. If we can't keep the right of health, we can't say anything to develop and prompt economic and protect the health of civil. At the present , the medical insurance nearly add to cover the whole people, which is formed by employee basic medical insurance , urban resident basic medical insurance and the new rural cooperative medical care. From the 13 years development about employee basic medical insurance, from the 9 years development about urban resident basic medical insurance, from the 4 years development about the new rural cooperative medical care, the diversified system of medical insurance has been formed, which can contribute to the civil health, the stable society and the development of economic. But during the development of medical insurance, the problem is still exit .Like the division among the employee basic medical insurance , urban resident basic medical insurance and the new rural cooperative medical care,the welfare of medical is different, the fair is not perform, the overall planning is too low to make the refund move, the scatter of the risk, the different department control medical insurance lead to the inefficient effect and so on. In the opinion of the reform of medical care system and the twelfth five-year plan about the national economic development both prompt to reform the medical insurance and built a basic system of medical insurance cover urban and rural residents. According to the fact of YunNan province's medical insurance development, the article wants to find the problem and analyze the reason. Then given the own opinion to prompt the development of the public health service and medical insurance.This article in order to find the problem in the medical insurance and wants to research how to construct the perfect system of medical insurance, which will give some suggestion to protect the civil health right and supply the effective welfare about medical insurance. The aim of choose YunNan medical insurance system as an example is in order to analyze the specific problem and give the targeted suggestion to prompt the development of medical insurance in our country.