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Rural medical insurance is part of China's social security. China's agricultural population accounts for 63.91% of the country's total population. Rural medical insurance can enable farmers to enjoy the benefits of rural medical insurance. It is also an important part of social security. It is also one of the important links in China's economic construction.

Rural medical insurance

Countryside

Countries around the world are increasingly emphasizing

Government policy should be tilted towards the countryside

At the end of October 2002, the "Decision of the Central Committee of the Communist Party of China on Further Strengthening Rural Health Work" set out the goal of rural health work. By 2010, the country will establish a rural health service system and a rural cooperative medical system. To implement this work, the state must allocate funds from finances, strengthen the training of rural medical staff, focus on supporting township and township health institutions, and use limited resources to improve efficiency.

2. Establish a new rural cooperative medical system

According to the relevant spirit of the Central Committee of the Communist Party of China, the State Council and the Provincial Government on the implementation of the new rural cooperative medical system, the coordination of peasants' major diseases was renamed the new rural cooperative medical system. Funding mechanism, the fund raising standard cannot be less than 30 yuan / person, including 10 yuan for county finance, 5 yuan for township finance, and 15 yuan for farmers. Let the farmers really see the disease and be optimistic about the disease, make the medical service truly convenient, benefit the people, and win the trust of the people, and promote the healthy development of rural medical work.

With the fundamental purpose of protecting farmers 'health, through the cooperative medical system to jointly raise, rationally allocate and use cooperative medical funds, provide farmers with basic medical preventive and health care services, meet farmers' basic medical service needs, reduce poverty caused by illness, and achieve The purpose of improving farmers' health.

3. Establish a rural medical insurance fund raising mechanism

First of all, Chinese farmers 'income is very low, and the farmers' individual burden of social medical insurance should be reduced as much as possible, and it is best to control between 5 and 10 yuan per person per year. If the burden is too high, farmers will not be willing to participate in social medical insurance, and their social security functions will be lost.

Secondly, part of the government's investment is partly invested by the central government and partly by the local government. It can also allow some well-profitable companies to join social medical insurance. Of the 7 yuan that was borne, 5 yuan was borne by the Huandao Panda Tobacco Factory. This will not only increase the visibility of the enterprise, but also reduce the burden on farmers.

4. Prevent moral hazards for medical and affected parties

A reasonable and relatively stable reimbursement ratio should be determined on the basis of continuously summing up experience and scientific calculations to avoid moral hazard. Local regulations formulated by local governments should be determined to ensure their relative stability.

5. Establish a long-term mechanism to address the lack of rural medical talent

The problem of talents is the bottleneck that restricts the quality of rural health services. Farmers are the most cost-effective to see a doctor. The biggest wish is to see a doctor easily, spend less money, and cure the disease. However, this requirement is far from the service we can provide under realistic conditions. The key is the lack of professional and technical personnel who can solve practical problems for farmers.

Due to the limitation of rural conditions and the impact of urban-rural differences, it is impossible to solve the problem of shortage of rural talents by means of distribution and dispatch. In order to solve this problem, the state has formulated a series of preferential policies to try to attract high-quality health personnel to migrate to rural areas, such as The "three fixed" policy, the policy of urban support to rural areas, the policy of urban doctors must be served in the rural areas for half a year or one year before the promotion of professional titles, the graduates of higher medical schools to the rural services in advance to the policy of increasing the salary in advance. Solving the problem of rural health personnel must rely on government organization, support, and the establishment of long-term mechanisms.