Status, Problems And Countermeasure Research On Individual Account System Of Urban Employee’s Basic Medical Insurance

The idea of individual account system of urban employee’s basic medical insurance comes from Singapore medical insurance, especially the system mode of "combination of social pooling and individual accounts". By the health insurance the burden of insurants’ clinic for minor illnesses is up to individual account, but the risk of impoverishment caused by hospitalized illness is shared by the medical society. So, the responsibilities of those two system account is clear. The original intention of the establishment of the system is to control the increasing medical expenses for fiscal burden, through the model for the insurance will be dilution of the insured person’s disease risk, reflecting the workers’ mutual aid, both to maintain the social justice, and improve the sustainability of health care workers in operation. In the implementation of the individual account system of urban employee’s basic medical insurance more than ten years, the nature of personal accounts to strengthen the insured workers awareness of the conservation of the medical insurance fund, which restricts the workers unreasonable medical consumption, and inhibited the excessive growth of medical expenses. But there are still a series of problems such as increasing the amount of precipitation, increasing the pressure on increasing the value of the fund, and increasing the difficulty of the medical insurance fund management and monitoring.Based on the comprehensive analysis of the operation of the individual account system of urban employee’s basic medical insurance, with the use of public management theory, the individual account system of urban employee’s basic medical insurance in suzhou is described and analyzed, and by using various methods of investigation, interview, mathematical analysis, starting from the aspects of operation, analysis and evaluation, comprehensive analysis of the individual account system of urban employee’s basic medical insurance in suzhou, found that there are problems in the implementation process of the system. Analyze the causes, so we can put forward rationalization suggestions, just like antidote against the disease, from the aspects of the system of top-level design, management, policy advocacy and training. Management theory can promote the improvement of the social security system. At the same time, it can effectively improve the "social pooling and individual account combination" mode with promoting the sustainable development of medical insurance system in Suzhou.