The Optimization Research On The Medical Insurance’s Fund Management Moda For Xiaoshan’s District In Zhejiang

Medical insurance fund is seized under the provisions of relevant laws,regulations and policies of the countries to the employer and the individual workers,as well as the formation through other legal means for the protection of insuredmedical security special fund. Medical insurance fund is the most important part ofthe Social Security Fund, occupies an important position in the social insurancesystem as a whole.Xiaoshan, Hangzhou basic medical insurance fund implementation of the systemand management mode combined with system account of the basic medical insurance,in this framework, Xiaoshan District medical insurance management center wasestablished in December1997, succeeding past the Municipal Labor InsuranceCompany contractors for urban workers, medical insurance work, and achievedpositive results, promote the healthy development of Xiaoshan District, urbanworkers’ basic medical insurance business. But on the other hand, Xiaoshan District,the basic medical insurance system and the health insurance fund management, thereare many problems, mainly reflected in: First, the narrow channels of funding,inadequate health insurance fund raising; Second, doctors and patients, Paul tripartitecontrol of the medical insurance fund and the irrational use; to co-ordinate funds andpersonal accounts system design loopholes affect the actual operating results; Fourth,the system of supervision of the medical insurance fund management has not beeneffective establishment.Xiaoshan District medical insurance fund management system in operation andmanagement under the framework of national health insurance, medical insurancefund management system, Xiaoshan District, under the premise does not violate thebasic policies of the national health insurance framework, on the one hand with thenational health insurance reform the reform, on the other hand, Xiaoshan District, tobe optimized. Consider the requirements of the state health insurance fundmanagement and public health insurance funds to improve the operation andmanagement requirements, Xiaoshan District, the health insurance fund management to optimize the mechanism of the design process, to adhere to a reasonable choice ofpayment of medical insurance, and strengthen medical security and legitimacy of thescientific and systematic use of the medical insurance fund insurance fundmanagement process, the basic principles of control of health care delivery system.On this basis, Xiaoshan District, the health insurance fund management to optimizethe mechanism of the design process by the members of society to take risks, use ofsocial leverage to minimize the health risks faced by individuals. In order to improvethe social health insurance system, the need for continuous exploration and efforts toachieve the Xiaoshan district health insurance fund management to optimize themechanism design,"wide coverage, and basic security, sustainable development ofthe overall strategic objectives.