Research On Participation In Basic Medical Insurance For Urban Workers

With the rapid development of technology and economy,the living standands has been greatly improved.The people begin to seek spiritual wealth and life stability.Disease is a big uncertainty which will impair people’s health,reduce working capacity of people and lower people’s living contidion.Therefore,people are eager to reduce the risk of disease,and the medical insurance is of great importance.This paper first introduces and analyzes the research progress and deficiency of social medical insurance system both at home and abroad.Then,it expounds the relevant concepts and development stages of the social medical insurance system,as well as the basic principles of the basic medical insurance system for urban workers in China.It is believed that medical insurance system for urban workers plays a quite important role in the social insurance system of China.This paper analyzes the main problems in the participation of basic medical insurance for urban workers in Quanzhou based on the data of from 2014 to 2016.It is mainly reflected in three aspects: low coverage rate,insufficiency of insurance payment base and the selective insured participation.In view of the problems raised,this paper,from the perspective of government duty,analyses the causes from three aspects: policy setting,publicity and supervision,and the information construction.It also makes a comparative study on the social medical insurance system of Shenzhen and Dongguan.By learning from the experience and considering the characteristics of Quanzhou,this paper puts forward several suggestions.Firstly,optimize the system designation,improve the system coverage.Secondly strengthen guidance and supervision to form a good public environment.Thirdly,improve the information system to provide good user experience.In the hope that,by such measures,the participation behavior can be guided and ruled,so that more workers can enjoy the basic medical insurance system and social equity promoted.