社会医疗保险体系存在问题及对策研究

发布时间：2018-02-28 15:03

本文关键词： 社会保障医疗保险保险体系　出处：《西北农林科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国医疗体制经过30多年的发展取得很大成就，到2013年7月，我国城乡居民医保参保人数达到12.7亿人，占全国总人数95%，基本完成城乡的全面覆盖，至今，全面覆盖城乡的医疗保障制度在我国基本建立，但是虽然我国在30年时间里完成了医疗保障制度基本覆盖全体国民，并建立了全面的医疗保障体系，但是就目前医疗保障发展严重滞后于经济发展的现状来说，我国的医疗保障体系还存在很多问题，还需要我们进一步发展和完善制度，进一步保障全体国民人人享受到医疗保障，提高我国公民健康水平。本文基于此背景下对“看病贵”问题所引发的社会医疗保障体系进行了研究，本文首先对社会医疗保障的理论进行了概述，对社会医疗保险的基本原则、社会医疗保险的作用、医疗保险现状进行了概述，其次对国外社会医疗保险的经验进行了借鉴，对英国、德国及新加坡的医疗保险制度进行了分析，再次对我国社会医疗保险体系建立的问题进行了分析，对制度内部不同的实施办法所产生的问题、不同保险制度之间产生的问题、由于社会医疗保险制度实行本身造成的问题及医疗费用不合理利用造成的问题进行了研究，最后给出完善“看病贵”问题引发的社会保险体系建立的建议，完善社会医疗保险的抵御风险能力、建立社会医疗保险体系的公平性、合理引导医疗消费需求、严格控制医疗消费需要、规范相关法律、规章制度，，加大对医疗卫生机构与医务人员的监督力度、科学定位政府的医疗卫生保障地位。
[Abstract]:After more than 30 years of development, China's medical system has made great achievements. By July 2013, the number of urban and rural residents participating in medical insurance insurance in China had reached 1.27 billion, accounting for 95 percent of the total number of people in the country, basically completing the comprehensive coverage of urban and rural areas. The medical security system covering urban and rural areas has basically been established in China, but although China has completed the medical security system in 30 years, it basically covers all the people, and has established a comprehensive medical security system. However, with regard to the current situation that the development of medical security seriously lags behind the economic development, there are still many problems in the medical security system of our country, and we still need to further develop and improve the system. In this paper, the social medical security system caused by the problem of "expensive to see a doctor" is studied based on this background. This paper first summarizes the theory of social medical insurance, the basic principles of social medical insurance, the role of social medical insurance, the status quo of medical insurance, and then the experience of foreign social medical insurance is used for reference. This paper analyzes the medical insurance system of Britain, Germany and Singapore, analyzes the problems of the establishment of social medical insurance system in our country again, and the problems arising from the different implementation methods within the system. The problems arising between different insurance systems have been studied because of the problems caused by the implementation of the social medical insurance system and the unreasonable utilization of medical expenses. Finally, some suggestions are given to improve the social insurance system caused by the problem of "expensive medical treatment", to perfect the ability of social medical insurance to resist risks, to establish the fairness of social medical insurance system, and to guide the demand of medical consumption reasonably. We should strictly control the need of medical consumption, standardize the relevant laws and regulations, strengthen the supervision of medical institutions and medical personnel, and scientifically locate the position of the government in medical and health care.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.684

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