Yanji City, Urban Workers' Basic Medical Insurance System For Study

Following the gradual establishment of the Market Economic System in our country, the construction of Social Security System that supports the Market Economic System is also seen speeding up. The old-age insurance, the unemployment insurance and the medical insurance are three big systems in the social security systems, and the medical insurance is the broadest insurance, the best content of the insurance and the most complex movement mechanism social security project. The medical insurance system which unifies with plan as a whole in society and individual account has been gradually established since the traditional medical insurance system didn't solve the problems of medical insurance in the market economy system. Due to the facts such as different economic levels in the country and so on, the present Basic Medical Insurance of our country is outlined only in frame with each area implementing its own medical insurance.The Basic Medical Insurance System in Yanji City is still in the course of constant development and improvement. At present, people the insured have been guaranteed from"be treated when people has sick, and the treatment expense be covered". The Medical Insurance Fund has been kept with"Balanced Payment", on the one hand, the pace of population aging is picking up, and on the other hand, the spectrum of disease and the Biomedical Mode is changing, and in addition, factors such as the progress in the medical technology, the wide range of applications of New Technology, New Equipment and New Materials, and the constant demand for health improvement, are making ever greater payment risk in the operation of the Medical Insurance Fund. Therefore, the present basic medical insurance system need the further reforms and the imperative consummation.Bases on the medical insurance general theory, the author defined the medical insurance characteristic and the function, and clarified the necessary to establish the cities staff basic medical insurance system from the traditional medical insurance system malpractice, and introduced the recently basic medical insurance system frame of China and basic system in Yanji. Based on income, payout and balance of the medical insurance fund, the author defined the problem is the difficult to improve the income of the medical insurance fund in the basic medical insurance system in Yanji and the alarming increase in the medical expenses, uncontrollable payment of medical premium that brings risk in operation of Medical Insurance Fund. In the study, these problems are analyzed and given feasible countermeasures and approaches with the situation of our city taken into consideration. Approaches to reinforce the risk withstanding ability of Medical Insurance Fund including: setting up rational fund raising mechanism for medical expenses; building the scientific control mechanism for medical expenses. These suggestions will promote the Basic Medical Insurance System in Yanji City for a greater development, and endow the theoretical and practical meaning to the sustainable development of the Basic Medical Insurance Fund.