我国社会医疗保险三险融合发展研究

发布时间：2018-06-01 18:53

本文选题：城镇职工基本医疗保险 + 城镇居民基本医疗保险　；参考：《新疆财经大学》2014年硕士论文

【摘要】：现阶段我国基本完成了社会医疗保障体系的建设，社会医疗保险主要由城镇职工基本医疗保险、城镇居民基本医疗保险和新型农村合作医疗组成。但是医疗保险制度呈现出碎片化特点导致不同医疗保险保障程度相差很大。社会医疗保险割裂的现状，背离了社会公平原则，严重阻碍了社会医疗保险的健康发展。建立全国统一的社会医疗保险体系，是完善我国社会保障体系的一项重要任务，，也是我国急需解决的重要问题。论文通过分析现阶段我国社会医疗保险的现状和出现的问题，论证城镇职工基本医疗保险、城镇居民基本医疗保险和新型农村合作医疗三险融合发展的必要性和可行性。结合英国、德国和美国三个发达国家医疗保险建设的经验，提出应该将城镇职工基本医疗保险、城镇居民基本医疗保险和新型农村合作医疗三险融合，形成统一的社会医疗保险。论文就三险融合的具体思路进行了详细的阐述，并且对三险融合以后的发展提出建议。
[Abstract]:At present, China has basically completed the construction of the social medical security system. The social medical insurance mainly consists of the basic medical insurance for urban workers, the basic medical insurance for urban residents and the new rural cooperative medical insurance. However, the fragmentation of the medical insurance system leads to great differences in the degree of medical insurance protection. The separation of social medical insurance deviates from the principle of social equity and seriously hinders the healthy development of social medical insurance. To establish a unified social medical insurance system is an important task to perfect the social security system of our country, and it is also an important problem to be solved urgently in our country. Based on the analysis of the present situation and problems of social medical insurance in China, this paper demonstrates the necessity and feasibility of the integration and development of the basic medical insurance for urban workers, the basic medical insurance for urban residents and the new rural cooperative medical insurance. Combined with the experience of the construction of medical insurance in three developed countries, Britain, Germany and the United States, it is proposed that the basic medical insurance for urban workers, the basic medical insurance for urban residents and the new rural cooperative medical insurance should be integrated. To form a unified social medical insurance. In this paper, the concrete ideas of three risks fusion are expounded in detail, and some suggestions for the development of three risks fusion are put forward.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.684;R197.1

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