The Current Status Of Implementation And Countermeasure Research Of Enterprise Supplementary Medical Insurance Of Xy Company

Enterprise supplementary medical insurance for urban employees as a complement of the basic medical insurance is an important part of the health care system. With the improving of people's living standard, the growing of employees' health need, it has been an increasingly prominent role in enterprises. Establish and improve the enterprise supplementary medical insurance, not only keep the stability of the original level of the employee medical treatment consumes, solve the problem of poverty caused by illness, but also enhance the enterprise attraction and boost economic development with harmony and stability. With the encouragement and support of our country, many enterprises have established enterprise supplementary medical insurance, but as our country's enterprise supplementary medical insurance market is not so mature, there are still many problems in the implementation. Large state-owned enterprises are the mainstay of the national economy, XY Enterprise, as one typical large state-owned enterprise, the study on enterprise supplementary medical insurance of it, possesses important realistic significance and reference value.This paper has introduced related theories and policies of enterprise supplementary medical insurance, made systemically analyze on the current status about enterprise supplementary medical insurance of XY Enterprise, found out the main problems in the cover rage, the ways of raising fund, the medical fund burden of serious illness patients and people who under poverty and the administration, etc. Based on the investigation and analysis on the implementation of enterprise supplementary medical insurance of other same kind enterprises, this paper has presented the details for thoughts and methods about how to perfection enterprise supplementary medical insurance of XY Enterprise: First, strictly abide by discipline of the country and the local government, make sure the practicing scope of enterprise supplementary medical insurance is criterion. Sort out and deal properly with those people who should not be in the list but already in it. Comprehensive arrangement and gradually bring in the people who should be in the list but not. Second, the way of enterprise supplementary medical insurance fund raising should be consistent with the social insurance premium collecting method to improve work efficiency and manage level. Third, on the base of normal personal afford medical treatment subsidies of personal afford medical treatment of be in hospital, chronic diseases and special diseases in the outpatient, it is allowed to give subsidies to the charge of primary medical treatment of door emergency. Fourth, raise the subsidy level of special disease patients, poverty-stricken people, people who work before 1949, model workers, enterprise's best experts and other special people, to play the function and role of enterprise supplementary medical insurance. Firth, strengthen monitoring and management of enterprise supplementary medical insurance, make sure the fund safety and being used legally.Enterprise supplementary medical insurance is a system engineering of policy, professional and operability, which should be kept summing up, rectifying and consummating according to the actual conditions of the enterprise under the guidance of national and local policies. This paper has consummated the particular implementing schemes of enterprise supplementary medical insurance, and possesses certain pertinence and operability.