XX镇新型农村合作医疗保险实施的问题及对策研究

发布时间：2018-05-12 02:34

本文选题：新农合 + 保险　；参考：《江西农业大学》2017年硕士论文

【摘要】：“看病难、看病贵”的问题长时间困扰着农村居民的生活,致使很多农民因病致贫、因病返贫。新型农村合作医疗保险制度[(16)]在一定程度上帮助农民解决就医问题,缓解农民经济压力,改善农民的体质水平,增强农民参保意识,为建设新农村提供了制度保障。但是,农村经济的改变以及新农合制度本身存在的问题和不足,致使制度在实施过程中受到了制约。现阶段,如何提高新型农村合作医疗保险制度的可操作性以及如何保障农民充分地享有医疗保障权利,已成为政府和学术界共同关注的重大现实问题。为促进新型农村合作医疗保险制度长效稳定的发展,使政府在解决农村医疗问题上有据可循。本文将XX镇新型农村合作医疗的实施情况作为研究对象,通过阅读文献资料,以社会保障理论和政府干预理论作为理论依据,对新型农村合作医疗保险制度的特点以及发展历程进行系统的阐述;然后对XX镇近几年参保、筹资、补偿等情况进行一个定量、定性的统计分析;再根据问卷调查,对调查对象、农民参保动机、政策认知度及满意度、医疗机构进行综合的分析,梳理出XX镇新型农村合作医疗实施过程中存在的问题。农民方面:参合意识较弱,缺乏制度认同感,参保信心受挫;政府方面:宣传不到位,筹资机制不稳定;医疗机构方面:基层医疗机构服务水平低,定点医疗机构行为失范,医疗机构信息化程度不高等。针对这些问题,本文结合当前农民的就医情况,借鉴国外医疗保险模式的有效做法,提出了以下几点政策建议。首先要更新农民参保观念,增强参保意识;提高农民对制度的认知水平,提升参合信心;再加大政府扶持力度,采取多渠道的宣传方式,加强制度的宣传;建立科学稳定的筹资机制;最后完善基层卫生配套体系建设,提高服务水平;加大监督力度,规范医疗机构服务行为。
[Abstract]:The problem of "difficult to see a doctor, expensive to see a doctor" has puzzled the life of rural residents for a long time, causing many farmers to become poor and return to poverty because of illness. The new rural cooperative medical insurance system to a certain extent helps farmers to solve the problem of seeking medical treatment, alleviate the economic pressure of farmers, improve their physique level, enhance their consciousness of participating in insurance, and provide system guarantee for the construction of new countryside. However, the change of rural economy and the problems and shortcomings of the NCMS system make the system restricted in the process of implementation. At the present stage, how to improve the operability of the new rural cooperative medical insurance system and how to ensure the farmers to fully enjoy the right to medical security have become a major practical issue that the government and academia have paid attention to. In order to promote the long-term and stable development of the new rural cooperative medical insurance system, the government can follow in solving the rural medical problems. This article regards the implementation of the new rural cooperative medical system in XX town as the research object, through reading the literature, taking the social security theory and the government intervention theory as the theoretical basis. The characteristics of the new rural cooperative medical insurance system and the development of the process are systematically described; then XX town in recent years to participate in the insurance, financing, compensation and other circumstances of a quantitative, qualitative statistical analysis; and then according to the questionnaire survey, The investigation object, farmers' insurance motive, policy recognition and satisfaction degree, medical institutions were analyzed synthetically, and the existing problems in the implementation of the new rural cooperative medical system in XX town were sorted out. Farmers: weak sense of participation, lack of system identity, frustrated confidence in participating in insurance; government: propaganda is not in place, funding mechanism is unstable; medical institutions: the level of primary medical institutions is low, the behavior of designated medical institutions is out of order, The level of informationization of medical institutions is not high. In view of these problems, this article combines the current situation of farmers' medical treatment, draws lessons from the effective practice of foreign medical insurance mode, and puts forward the following policy suggestions. First of all, we should renew the farmers' idea of participating in the insurance, enhance the consciousness of participating in the insurance, improve the farmers' cognition level of the system, enhance the confidence of participating in the insurance, then increase the government support, adopt the multi-channel propaganda method, and strengthen the propaganda of the system. Establish a scientific and stable financing mechanism; finally improve the basic level of health supporting system construction and improve the level of service; strengthen supervision to standardize the service behavior of medical institutions.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.684;F323.89;R197.1

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