Research On Government Regulation Of Supplementary Medical Insurance Fund In Our Country

Supplementary medical insurance is an important part of China’s medical security system,in recent years China has launched a variety of forms of supplementary medical insurance from the government to enterprises,cooperating with insurance companies to provide a variety of insurance products to the masses,reducing the medical pressure of the masses in various ways,and striving to improve the medical security system.At the same time,it has also established a regulatory policy for the medical insurance fund,improved the medical security system and regulations,and ensured the standardization of the use of the supplementary medical insurance fund.With the addition of government supplementary medical insurance,many enterprises also actively respond to the call of the state,based on the basic requirements of the state,enterprises have established enterprise supplementary medical insurance or cooperated with insurance companies to undertake enterprise supplementary medical insurance according to their actual operation.At the same time,many enterprises realize that enterprise supplementary medical insurance is conducive to protecting the health of employees and improving the cohesion and sense of belonging of enterprises.In the literature combing,it is found that there are few relevant studies on the relevant policies of enterprise supplementary medical insurance and how the government supervises,and there are no specific provisions on such issues,and the national research and analysis of enterprise supplementary medical insurance has a short time and less data.As the earliest batch of enterprises to establish supplementary medical insurance funds,power supply companies have a long operating time,more complete data,more mature system,high researchability,and have certain reference value.This paper takes the power supply company as the investigation object,investigates the supplementary medical insurance of 200 enterprises in the power system through questionnaire survey,conducts a satisfaction survey from the three aspects of fund operation,fund management and fund supervision,analyzes the obtained data and finds that there are certain risks and problems in the three aspects of the enterprise supplementary medical insurance fund,such as the fund does not play its role,the management mode is single,the level of informatization is not enough,and the publicity and popularization of the fund are not enough.Therefore,it is particularly important for the government to supervise the supplementary medical insurance of enterprises.This paper analyzes the current state of government supervision and finds that the government has less intervention in fund supervision,single form of fund supervision,weak awareness of risk prevention and control,etc.,according to the research of power supply companies found in supervision and other problems and the current government supervision model,and strive to optimize the government supervision path,improve the efficiency of fund use of supplementary medical insurance,give full play to the maximum role of supplementary medical insurance,protect the health of the people,and prevent the problem of poverty caused by illness.At the same time,represented by power supply companies,it also provides ideas for the supervision of supplementary medical insurance for large enterprises such as central enterprises,and also provides new perspectives for the future research of supplementary medical insurance.