Research On Legal Regulation Of China' S Medical Insurance System

Health concerns the well-being of individuals and families which is widely seen as a cornerstone of the steady development of the social economy.Protection of the right to health for individuals attaches great importance to the development and progress of social civilization,in both developed countries and the developing countries are generally through the establishment of medical insurance system for the implementation of the safeguard the rights and interests of citizens.China's medical insurance is the largest medical insurance system in the world with more than 1.3 billion people.The operation of the system is related to the development of people's livelihood,social stability and sustainable economic development.Therefore,a fair,efficient and sustainable medical insurance system should be established.In 2009,China launched a new round of reform of the medical and health care system.It also established the basic principles to provide basic medical and health care system as a public product to all people.We have created a universal health insurance network covering more than 1.3 billion people,providing institutional guarantee for all patients.However,with the continuous progress of urbanization and aging,both China and the developed countries in the west faces the problem of excessively rapid medical expenses growth and the imbalance of medical insurance fund.Long-term historical,social,and geographical factors finalize the difference design of urban and rural systems.The binary segmentation of the mechanism effects to the field of medical treatment insurance,resulted the lack of health fairness between urban and rural.At the same time,repeated reimbursement of medical insurance causes loss of fund and other issues.These realities are constantly impacting China's medical insurance system,which threatens the vital interests of China' s more than one billion people.This paper summarizes the medical insurance system and its characteristics in Germany and Korea based on the basic theories of the concept,main categories and principles of medical insurance system.Based on the analysis of the current situation of medical insurance in China,the author summarizes the existing problems and challenges,and puts forward some Suggestions for improving the medical insurance system according to the actual situation.This paper is divided into five parts:the first part is the introduction,which mainly introduces the research background and significance of this paper,the research status and research methods at home and abroad.The second part is the general theory of the medical insurance system,including the concept of medical insurance,the main types,the principles and the legal status and historical evolution.The third part is the analysis of foreign medical insurance system which summarizes the general system and characteristics of medical insurance in Germany and Korea.The fourth part analyzes the current medical insurance system reform in China.Then summed up three existing problems in our medical insurance system.Firstly is the imperfect laws and regulations of medical treatment insurance.Secondly medical insurance system is not sound.At last the medical insurance fund is not enough to meet the demand of medical insurance.The fifth part aimed at the problems existing in the medical insurance system in our country and puts forward some suggestions.Including establish and perfect the medical insurance legal system,establishing the multilevel medical insurance system,to strengthen the management of medical insurance fund.