新农村合作医疗

新农村合作医疗 China's "new rural cooperative medical care " Statistics show that China had proposed to have a national cooperative medical care system and medical aid system established in China's rural areas by 2008. By September 30, the number of counties (cities and regions) that participate in the new rural cooperative medical care plan had reached 2,448, comprising 85.53% of China's total number of counties (cities and regions), covering a rural population of 726 million, with an insurance rate of 85.96%. the new rural cooperative medical care funds allocated for out-patient compensation fund, compensation fund for hospitalization, serious illness relief fund, the risk reserve fund four parts. (a) compensation fund for out-patient: out-patient compensation fund account for 16% of the total fund, according to Senate together from 8 per person per year base, with households as units of account to set up out-patient family. All the main parameters to solve the farmers fair access to basic health care services. Patient compensation fund for claims payment, deposits can not exceed the family account. (b) the patient compensation fund: hospital Compensation Fund accounts for 69% of the total funds, mainly for those who participate in cooperative medical service of hospital medical cost reimbursement grant. Solve farmers dare to see a doctor because of financial difficulties. Both benefit from the face, was hospitalized from the compensation fund set up to pay line, the ratio of claims and cap lines. (c) serious illness assistance fund (also known as the Second Compensation Fund): serious illness relief fund account for 10% of the total fund. All the main parameters of farmers due to the elimination of serious illness or serious illness caused by returning, to the phenomenon of poverty. Hospital medical expenses within one year a total of more than 10,000 yuan, and the line has been capped compensation Participation All farmers can apply for relief fund serious illness. (d) Risk Reserve Fund: Risk Reserve Fund accounts for 5% of the total fund. Mainly used for prevention of new-type rural cooperative medical care funds have set up an overdraft funds. Unify the supervision of the autonomous region by the use of financial. Rural cooperative medical system as the main rural medical care security system which met the peasant basic medical needs and reduce the peasant medical burden once played a very important role in our country. But with the society changes and development, rural cooperative medical system passed a very hard way and nearly came to the end for some reasons, only 5% villages in China had continued to insist it by the 90's in the last century, most of the peasants had become the groups without any medical security care. In the 21st century, as the economy develops and peasants' income has increased, the national policies turn paying more attention to the economy development to the economy harmony development; meantime, peasants' medical security realistic need has become more and more urgent. The state has decided to carry out the new rural cooperative medical care system after the scientific demonstration, test and promote it in some places to do new research in the country. The writer of this essay is trying to analyze and conclude the problems while carrying on the new rural cooperative medical care system on the base of absorbing and learning from the achievements of the former researchers, raises the suggestions and advice for improving the system.The essay consists of six parts. The first part is brief instruction, mainly raising problems, stating the meaning of the article, pointing out creative places and explaining the way of study and the structure. The second part tells us that the new rural cooperative medical care system as the basic medical insurance system in the countryside in our country has the characters of the ordinary medical insurance or public insurance and also the special characters of itself and special function on the theory of medical insurance and social insurance, points out that WHO requires the stats should be responsible for all the citizens medical insurance, lists the present study of our country's rural medical insurance system; the third parts conclude the development of our country's rural cooperative medical system, which is made up of forming period, developing period, fading period and new research period .The fourth part shows the background of the new rural cooperative medical system, basic content and characters. The fifth part stats current situation, main effect and problems of the new system mainly on Gaomi city's carrying out realistic situation of the new rural cooperative medical system. The sixth part raises the advice and suggestions of improving the new rural cooperative medical system, strengthening the country and state's responsibilities, perfecting funding system, completing compensation model to benefit more peasants, perfecting the new rural cooperative medical management system, permitting multilevel medical care form, introducing the commercial insurance to the new rural cooperative medical care, combining the new rural cooperative medical system with the medical reform, founding normal public health index system