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在新型合作医疗试点工作中,各地相续出现了不同的合作医疗模式,其中最引人注目的有三种:“风险型合作医疗”、“福利型合作医疗”、“福利———风险型合作医疗”,三种模式各有利弊。笔者通过对目前农村的社会经济条件、农村医疗市场的现状和合作医疗的报销程序及国家经济状况的分析,认为“风险型合作医疗”模式更符合中国广大农村的社会经济现实,更具合理性。
In the new type of cooperative medical pilot work, there have been successively different modes of cooperative medical care all over the country, of which three are the most notable: “risk-based cooperative medical care”, “welfare-oriented cooperative medical care” and “welfare-risk-based cooperation Medical ”, there are advantages and disadvantages of the three models. Through the analysis of the current rural social and economic conditions, the status of the rural medical market and the reimbursement process of cooperative medical care and the national economic conditions, the author believes that the “cooperative medical risk-oriented” model is more in line with the socio-economic reality of the vast rural areas in China, reason.