Study Of Growth And Control Of China's Medical Insurance Costs

Medical insurance is a certain historical conditions, according to the level of developmentof productive forces, the bearing capacity, health resources and health services in countries andareas, protect the basic health, providing essential fundamental, medical services for allparticipants. However, at present a sharp rise in medical service expenditure is a global problem,whether developed or developing countries, medical costs accounted for the proportion in thegross national product and accounted for an average growth rate of GDP growth rate is too fast.The high growth of medical cost has become more and more governments a heavy economicburden. China’s medical insurance system is gradually improving, if not effectively control therapid increase of medical expenses, medical insurance system will hinder the normal operationand healthy development, and even endanger the safety of the medical insurance system. Themedical insurance reform in China started relatively late, and the direction of the reformmeasures mainly refer to the developed countries of the medical insurance system, to reform theoriginal medical security system, looking for less investment, high efficiency, wide coverage ofmedical security system. And can control the excessive growth of medical costs effectively, hasbecome the focus problem in the establishment of social medical insurance system, has becomean important factor in maintaining social stability, improve in the socialist security system.The full text is divided into five parts.The first part of the paper first describes the concept and characteristics of health insurancecosts, and increased demand from health insurance, increasing aging population, changingdisease spectrum, the proportion of urban and rural population change, the use of new medicaltechnology and equipment are analyzed in detail five aspects of health care growth in the cost ofSituation.The second part of the thesis is the basic meaning of control health insurance costs, andfrom four aspects elaborated the importance of medical insurance in China at this stage control.The third part of the paper from the single payment method, the slow development ofclinical pathways, medical institutions and moral hazard presented the three aspects of thecurrent health insurance expense control problems and causes of the problem were to do athorough analyze. The fourth part of the paper is to suggest that the growth of medical costs controlled. In thissection, the author strengthen government functions, payment method reform and improveclinical pathways and strengthen health care management, increase medical science propagandaadvocating the idea put forward five own comments and suggestions. In the last article, theauthor based on years of experience in the health insurance fund work on health care and freemedical personal accounts of this stage put forward their point of thinking and recommendations.The fifth part is a conclusion.