Research On The Disadvantaged Groups In Rural Areas Medical Security Mode

With the continuous development of China’s economy and society, the issues relating to agriculture, rural areas and farmers have become the fundamental ones of the Party and State overall. The farmers’ living conditions directly reflect the governing ability of the Party and the extent of sharing the fruits of development. The report delivered on the 18 th National Congress of the Communist Party of China pointed out that coordinated development of the social security system in urban and rural areas should be promoted, and we should institute a complete, multi-tiered and sustainable system for providing basic social security for both the urban and rural population, with emphasis on making the system more equitable and sustainable, and ensuring the smooth transfer of social security accounts between localities. Currently, the medical security system practiced in China’s rural areas is the New Rural Cooperative Medical System(NRCMS) supplemented by other means such as rural medical assistance. However, practically the government-led NRCMS almost equals to the whole rural medical system in today’s China. The unbalanced economic development and security level between regions, as well as the government’s inefficient administration, result in the problems of the practical rural medical security mode, and make the mode not to meet the needs of social development. Especially for the disadvantaged groups in rural areas, the self-charge part of the medical insurance increases their burden, which causes the unfair and doesn’t reflect the superiority of socialism.In this paper, the possibility of third-party supplement in rural medical security has been proved with the theories of public management and public goods. Under the guidance of the theories of government and market in allocating resources, the development status, problems and causes of the current rural medical security mode, as well as the successful practice of the NRCMS combined with commercial insurance, such as Zhanjiang mode, Xinxiang mode and Jiangyin mode, were analyzed. And considering the activity of social sectors, the medical security mode typically for disadvantaged groups in rural areas is advised, which is government-led, multi-side participated, social funds used and information managed. In addition, the Shanghai Jinshan “NRCMS combined with medical re-assistance for disadvantaged groups in rural areas” mode was analyzed, proved and optimized.After analyzed, the medical security mode for disadvantaged groups in rural areas is able to supplement the current security system, and will help the residence in rural areas to share the fruits of development better and help the people who really need. However, balance must be considered at the same time. In this paper, under the lead and guidance of government, the well-developed coastal areas are suggested to encourage social sectors and market to participate in the security system, standardize the medical treatment and reduce the medical costs with the market mechanism and modern information management of large data, try BTO/BOT the mixing operations to reduce the security costs, guide the social funds especially the benevolent fund to play a roll in rural medical security system to assist the government to provide better medical services in rural areas. And the underdeveloped areas are suggested to seek the cooperator, optimize the structure and improve the ability under the guidance of policies and programs.