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现行农村低保群体医疗保险体制中,主要是新型农村合作医疗。这项制度为解决农村低保户减轻医疗负担作出了重要贡献,但是新型农村合作医疗制度仍存在保障水平低等问题。当前有些地方采取了商业保险参与新农合的模式取得了较好效果。因此,本文在借鉴成功经验的基础上,提出商业保险参与农村低保群体医疗保险的具体模式,并探讨政府为低保群体购买商业医保的可行性。
The current rural subsistence allowance medical insurance system, mainly new rural cooperative medical care. This system has made important contribution to solving the medical burden of rural residents with low living allowances, but the new rural cooperative medical system still has the problem of low level of protection. In some places, commercial insurance has taken good part in the NCMS. Therefore, based on the successful experience, this paper puts forward the concrete mode of commercial insurance to participate in rural medical insurance, and discusses the feasibility of the government buying commercial medical insurance for the minimum living guarantee group.