The Research On The Convergence Problems Of Urban-Rural Basic Medical Insurance System In China

Our country has established the universal coverage medical insurance system through many years reform and development. Because of the influence on our long-standing urban-rural dual economic structure and tradition of the household registration system, the convergence path of urban-rural basic medical insurance system has become very tortuous. The urban employee basic medical insurance system, new rural cooperation medical system, basic medical insurance system for urban residents are the mainly parts of urban-rural medical security system. It has made tremendous contribution to the sustainable development of Chinese medical and health undertakings. However, beacuse of the rural and urban basic medical insurance system is very different in the system design aspects of the way of financing, the level of protection, management system. It is resulted in the barriers of the convergence of urban-rural basic medical insurance system. With the accelerated pace of Chinese urban-rural convergence, the identity of the insured are offen transformed in the urban-rural basic medical insurance system. As the convergence of three basic urban medical insurance systems are difficult to carry out effective, resulting in Chinese human resources can not flow freely throughout the country. Therefore, it is particularly urgent for us to accelerate the pace of the convergence of urban-rural basic medical insurance system.This paper is divided into the following sections. The first part is the beginning of this paper. It discusses the research background and significance first.Then analyses the relevant academic research from domestic and abroad. Finally, gives a brief introduction to the content and main method in this paper. And points out the innovation and deficiencies of this article. The second part gives an introduction to the theory of effective demand, the theroy of social security fairness and the theory of welfare economics. It is helpful for providing a theoretical support for the choice of convergence model of urban-rural basic medical insurance system. It discusses the necessity to the convergence of urban-rural basic medical insurance system, and then gives a detailed instruction to the influencing factors which is in the aspects of environmental and design of the convergence of urban-rural basic medical insurance system.The third part introduces four typical nation’s medical insurance models first. By comparative analysis of the main contents and characteristics of them, we can summarize the experience and lessons which we can use as a reference in our country.The fourth part focuses on the comparative analysis of the three typical patterns of urban-rural medical insurance system, summarizes the running effect of these systems for providing empirical experiences for the convergence of our future urban-rural basic medical insurance system.The fifth part is based on the experiences which we have summerized before. Sums up the policy recommendations which is conducive to promoting the convergence of basic medical insurance system in our country.Part six is the conclusion part. It summarizes the research contents of the whole paper.This paper explores the real conditions for China’s current rural-urban basic medical insurance system convergence model which is based on the study of the convergence of domestic and international medical insurance system. And then proposed to promote the basic medical insurance system for urban and rural convergence of policy recommendations.