The Legal Attributes Of The Medical Insurance System For Employee's Large Medical Expenses

At the beginning of the establishment of the basic medical insurance system for urban employees in China,the medical insurance system for urban employees' large medical expenses began to be piloted.For more than 20 years,the medical insurance system for urban employees' large medical expenses has achieved certain results in improving the level of medical insurance for employees,alleviating the burden of high medical expenses and the payment pressure of basic medical insurance funds.However,the attributes of the medical insurance system for urban employees' large medical expenses has not been clearly defined.This article starts from the relevant regulations,and try to analyzes the attributes of the medical insurance system for urban employees' large medical expenses.According to relevant policies and regulations on the medical insurance system for employees,the medical insurance system for urban employees' large medical expenses belongs to the supplementary medical insurance.However,according to the specific regulations,there are many contradictions between the the medical insurance system for urban employees' large medical expenses and the supplementary medical insurance,the medical insurance system for urban employees' large medical expenses is highly consistent with the basic medical insurance in terms of protection objects,coverage,fund management subjects and other factors.This contradiction has led to a misunderstanding of the attributes of this medical insurance system.The system's goal,the government's responsibilities,and the management mode of the medical insurance system for urban employees' large medical expenses need to be solved.Next,this article starts from the historical reasons of the medical insurance system for urban employees' large medical expenses,analyzes its functions,goals and the way to achieve those goals.There is a substantial distinction between the basic medical insurance and supplementary insurance,which provides a theoretical basis for defining the attributes of the medical insurance system for urban employees' large medical expenses.Then,by analyzing the relevant regulations on the the medical insurance system for urban employees' large medical expenses,found that the actual system objective is to meet the basic medical needs,combined with the China's current definition of basic medical need,it is concluded that the ultimate goal of the medical insurance is consistent with the basic medical insurance.Next,compare the operation of the medical insurance system for urban employees' large medicalexpenses in China,it is found out that there is no substantial difference between the medical insurance system for urban employees' large medical expenses and the basic medical insurance.Actually,the commercial insurance companies are not the actual insurers.So,the attributes of the medical insurance system for urban employees' large medical expenses belongs to the basic medical insurance.After the attributes of the medical insurance system for urban employees' large medical expenses has been clearly defined,the government's responsibilities and the operation of the system have also been cleared.At last,the medical insurance system for urban employees' large medical expenses should be integrated into the basic medical system,and the ultimate solution is to improve the basic medical insurance system,the large medical expenses of employees should also be protected by the basic medical system.