Discussion Of The Necessity Of Maintaning "Personal Account" For Current Medical Insurance Stage In China

For a long time, the problem of "difficult and expensive treat" has plagued the people, and our traditional health care insurance model in the actual operation process, the individual accounts have been many problems, contrary to the principle of social insurance of helping each other, management cost of personal account is too high, the function of constraints and accumulation is not fully effective, the demand of elderly people and chronic medical patients is limited. In addition, the phenomenon of illegal abuse of medical insurance card is very popular in the country, health insurance card problems is actually reflected the problems of the use of individual accounts in health insurance. This also made some experts and scholars on health insurance doubt the existence of individual accounts.The article mainly discussed the necessity of maintaining "Personal Account" for current medical insurance stage in China. The original intention for designing and maintaining the "Personal Account" for medical insurance billing was analyzed through a comparison with the actual effect of practice, and the reasons for maintaining "Personal Account" were elaborated. Although the "Personal Account" has proven to be weak in cost containment and fund accumulation, which has to some extent inhibited the medication needs of senile patients and patients suffering from chronic diseases, it has the right reasons to continue as a billing vehicle due to such influencing factors as ageing population and ongoing urbanization. For improved management of the "Personal Account", current medical insurance should be extended both in terms of population coverage and reimbursement scope, the personal account practice for retirees should be Cancelled, and administration over healthcare providers should be strengthened.