纵观国际上发达国家的医疗保险体制,尽管各国政治经济不同,但对于社会医疗保险研究一直是各国政府下大力研究的课题。社会医疗保险制度作为社会保障制度的重要组成部分,他可以有效的保障劳动者的身体健康,促进劳动力再生产,提高劳动者素质,从而对于提高劳动生产率、促进生产的发展发挥着重要作用。社会医疗保险制度的实施也可使患病的劳动者从社会获得必要的帮助,尽快恢复身体健康,重新劳动取得收入。通过征收医疗保险费和偿付医疗保险费用,保证所有劳动者患病以后又均等就医机会,一定程度上调节了社会关系和社会矛盾,有助于体现社会公平分配,弥补分配造成的不平等,实现效率与公平的结合。通过医疗保险制度的建立和发展,有效的依靠国家、单位和个人的经济力量,筹集卫生费用,积极发展各类卫生保健事业,加强重大疾病的防治,实现“人人享有初级卫生保健”的全球卫生发展战略目标和提高全民健康水平据有重要作用。 Looking at the medical insurance system in developed countries in the world, despite the different political and economic conditions in various countries, the research on social medical insurance has always been a subject under intense study by governments. As an important part of the social security system, the social medical insurance system can effectively protect the health of workers, promote the reproduction of labor force and improve the quality of workers, thus playing an important role in raising labor productivity and promoting the development of production. The implementation of the social medical insurance system can also help the sick workers obtain necessary help from the society, recover their health as soon as possible, and re-work their income. By levying medical insurance premiums and paying medical insurance premiums, all laborers are guaranteed equal opportunities for medical treatment after their illness, to a certain extent, adjusted social relations and social contradictions, which help to reflect the social fair distribution and make up for the inequality caused by distribution and achieve The combination of efficiency and fairness. Through the establishment and development of the medical insurance system, we must rely on the economic strength of our country, unit and individual effectively to raise health expenses, actively develop various health care undertakings, and strengthen the prevention and control of major diseases so as to achieve the goal of “primary health care for all” The strategic goal of global health development and the improvement of the health of all people play an important role.