论文部分内容阅读
依据国务院《关于建立城镇职工基本医疗保险制度的决定》,1998年后我国医保制度正式采用社会统筹和个人账户相结合的办法。在过去的十几年里,这种制度对抑制医疗资源浪费、缓解慢性病患者的就医压力等方面起到了积极的作用,但也存在一些问题值得我们思考和探索。本文试图对我国现阶段医疗保险制度下的个人账户做理论方面的分析,从而发现问题并尝试提出对策。
According to the State Council’s “Decision on Establishing a Basic Medical Insurance System for Urban Workers and Staff Members,” the system of medical insurance in our country formally adopted a combination of social pooling and individual accounts after 1998. In the past ten years, such a system has played a positive role in curbing the waste of medical resources and alleviating the pressure on medical treatment for people with chronic diseases. However, there are still some problems worthy of our consideration and exploration. This article attempts to make theoretical analysis on the personal accounts under the current medical insurance system in our country so as to find the problems and try to put forward some countermeasures.