Research On The Three Insurance For Fusion Development Of China’s Social Medical Insurance

At present China has basically completed the construction of the social medical securitysystem, the social medical insurance is mainly composed of basic medical insurance for urbanemployees, basic medical insurance for urban residents and the new rural cooperative medicalcare. But the medical insurance system shows fragmentation characteristics lead to differentmedical insurance level is huge. Current situation of social medical insurance fragmented,deviating from the principle of social justice, seriously hindered the healthy development ofsocial medical insurance. The establishment of a unified social medical insurance system, isan important task to improve China’s social security system, it is an important problem thatChina’s urgent.The paper by analyzing the present situation and the problems of the social medicalinsurance at the present stage in China, demonstrates the necessity and feasibility of basicmedical insurance for urban employees, basic medical insurance for urban residents and thenew rural cooperative medical insurance fusion development. According to the British,German and America three developed countries social medical insurance constructionexperience, puts forward the basic medical insurance for urban employees, basic medicalinsurance for urban residents and the new rural cooperative medical three insurancefusion.The formation of social medical insurance unified. The specific ideas of threeinsurance fusion are discussed in detail, and put forward suggestions on the futuredevelopment of the three insurance fusion.