Beijing Medical Insurance For Urban Workers, Personal Accounts Function

The funds of Chinese basic medical care insurance of workers in cities and towns implement "social pooling and individual accounts," a combination of a mixed system. China has chosen this "social pooling and individual accounts,"—part accumulation system or a mixed system of health insurance model, is an meaningful attempt to find a health insurance model suited to their national conditions.However, since the establishment of such a model of "social pooling and individual accounts" at the beginning, there is a big controversy in theoretical circles or practical work departments, and later even intense discussion on the issue of retention or abolition medical insurance personal accounts. With the increasing depth of personal accounts, a number of problems attached great importance to medical insurance caused by the state Department of Labor and Social Security, local governments have also issued a series of reform policies of personal accounts. In order to further promote the reform of medical insurance, it is imperative to analysis the functional of medical insurance individual accounts for urban workers in China. Whether abolition or retain individual accounts, it is worth exploring the continued existence, not only have a impact on the goal of Chinese basic medical insurance of urban workers, but also certainly have an impact on the effectively functioning of Chinese medical insurance, and thus have a impact on economic stability and social development in our country.The paper mainly use the reform of medical insurance personal accounts of workers in cities and towns as a starting point. First, analyses related theory of medical insurance personal accounts, followed through the revolution and background of present social medical insurance personal accounts system, obtaining the existing problems of personal accounts, and last made the feasibility proposal in improving the personal accounts.Medical insurance personal accounts is a complex system issues, in order to solve the existing problems, it is need to have major changes in personal accounts, The reform of health insurance personal accounts should start a new position and considerations from the entire medical insurance mechanism. Therefore, we have to in-depth analysis the mind, function and the problem of medical insurance personal accounts, than lay a certain foundation for future reforms with the theory to grasp its fundamental characteristics.