我国大学生医疗保险制度探析

发布时间：2018-03-23 02:06

本文选题：大学生　切入点：医疗保险　出处：《吉林财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：大学生群体是关系国家未来发展的重要人才保障，是国家的栋梁，该群体的身体健康状况牵动着国家和社会的长远发展。随着我国教育规模的壮大，大学生群体的数量亦在不断攀升，但属于大学生群体自己的，比较完善有效的医疗保险制度还处于空档中。大学生最初的医疗保险制度是起始于1953年的公费医疗制度，其经费主要来源于各级财政补贴。不可否认，在保障大学生健康和提高大学生身体素质等方面，，公费医疗发挥了重要作用。然而随着我国经济的不断发展，医疗费用日益上涨，公费医疗制度的诸多弊端开始显现，例如医疗负担过重，医疗资源浪费等问题，致使其保障水平越来越低，不能满足大学生群体的基本医疗需求。虽然有些高校为解决大学生的医疗问题，纷纷探索出不同的医疗模式，如“公费医疗+商业保险”的医疗模式，商业保险模式，服务外包模式等等，但是由于商业保险的盈利性质和国家的不支持，导致改革效果不尽人意。直到2008年国务院下发文件决定将在校大学生纳入城镇居民基本医疗保险的范围内，才使大学生医疗保险制度进行了一次比较大的改革。此举措虽然在某种程度上提高了大学生医疗保障水平，但也存在着某些问题。通过分析研究高校医疗保险制度来完善大学生医疗保险制度对学生，对学校对社会都有着十分重要的意义。本文共五部分，第一部分，介绍了研究问题的背景，目的和意义，以及国内外学者对大学生医疗保险制度的研究。第二部分，为了更好的分析我国大学生医疗保险制度，本文对研究所需要的相关制度和概念理进行简单的解释和说明。第三部分，回顾了我国大学生医疗保险制度的发展进程，并对现在实行的大学生医保制度进行分析，找出其存在的问题。第四部分，通过深入分析美、德、新、英4个国家较为成熟的大学生医疗保险制度，从中吸取适合我国国情的宝贵经验。最后，提出完善我国大学生医疗保险制度的建议。
[Abstract]:The student population is an important personnel security relationship between the country's future development, is the backbone of the country, the health status of the population affects the long-term development of the country and society. With China's education scale expands, the number of the student population has continued to rise, but belong to the university students themselves, more comprehensive and effective medical insurance system it is in neutral. The medical insurance system of college students is the first starting in 1953 the public health system, its main source of funds from all levels of financial subsidies. Admittedly, in ensuring the health of college students and the improvement of College Students' physical quality, public health has played an important role. However, with the continuous development of China's economy, medical expenses rising public health system problems began to appear, such as medical burden, resulting in the waste of medical resources and other issues, the security level is more and more Low, can not meet the basic medical needs of college students. Although some colleges and universities to solve the medical problems of college students, have explored different medical modes, such as "public health insurance + business" medical model, commercial insurance model, service outsourcing mode and so on, but because of the nature and state of profit of commercial insurance is not supported, cause the reform effect is unsatisfactory. Until 2008 the State Council issued a document to determine college students will be included in the scope of the basic medical insurance for urban residents, the medical insurance system for college students is a relatively large change. Although this move in a way to improve the medical security level of college students, but there are also some problems. Through the analysis of medical research the insurance system of colleges and universities to improve the medical insurance system for college students, the school has a very important significance to the society.
This paper consists of five parts. The first part introduces the study background, purpose and significance of the study on medical insurance system of college students and scholars at home and abroad. The second part, in order to better analysis of College Students' medical insurance system in China, the need to study the related system and the concept of simple explanation. Third part, reviews the development process of College Students' medical insurance system in China, and now the implementation of medical insurance system for college students to carry on the analysis, find out the existing problems. The fourth part, through in-depth analysis of United States, Germany, the new medical insurance system for College students, mature English in 4 countries, and learn from the valuable experiences for the situation of our country from. Finally, put forward to improve college students' medical insurance system in China.

【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F842.684;G645.5

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