China's Social Medical Insurance System Reform And Its Countermeasures And Suggestions

Social medical insurance system is one important respect of social security systems. It is a safety net, a fair regulator, and important factor of bringing about an advance i n economi c stab i I i ty espec i a I I y. In order to deepen and perfect the social medical insurance system, the author gives analysis and research on the bas i s of the comparat i ve study of the med i ca I i nsurance mode of the countr i es, I ike Britain, Germany, France, Japan, U.S.A., Singapore, etc. In this thesis, the writer illustrates her opinion about our social medical insurance system and how to perfect it.In this essay the writer thinks our current urban worker basic medical insurance system belongs to " low-level, wide cover" elementary medical insurance mode. To achieve the goal on making medical insurance reach finally" high level, wide cover" . First of all we should divide pool account payment from personal account payment to achieve and improve fund service efficiency and reduce purpose to manage cost. Secondly, we should confirm the taxi rate between enterprise and the individual, the rate is neither too high to make enterprises can't bear the heavy load and leads to refusal to the taxi, and nor too low to add national financial burden. Thirdly, we must deal with the issue well, which is the cost on the process of the change and the government should take the responsibi I ity . Fourthly, different means of payment can influence the expenses, disposition of medical resources and medical quality of the hospitalization cost. The best medical insurance means of payment, should be a budget system of the total value. Fifthly, we should make business insurance and social insurance compatibly develop, to strengthen individual person to resist different risks of sorts of medical accidents.Especially, on the basis of the current situation that our country' s rural medical security system is much weaker at present, the author proposes solving the rural medical insurance problems from the following respects: to rectify and improve rural medical organization efficiently to utilize resources, stabi lize the medicine price, solve the problems of the peasants' preventionlittle diseases and small injures; To launch medical treatment to help each other, strengthen the ability of resisting serious diseases; Third, to develop rural business insurance, to meet the multi-level medical demands and guarantee that it can offer the peasants finally a reliable health network of socialsafety.