Analysis and Research on Medical Insurance of College Student in Dalian
|School||Dongbei University of Finance|
|Keywords||college students health insurance college students health insurancefund The average Fees per Outpatient rates Seriously ill rate|
China is to establish universal health care system, basic medical insurance for urban workers, as the three pillars the new rural medical insurance and basic medical insurance for urban residents in China’s medical insurance system, are the basis for universal health insurance system. The country’s " new medical reform " will be college students into the basic medical insurance system for urban residents, not only can improve the students’ level of medical care, and effectively reduce the financial burden on students’ family disease, but also expanded the scope of social assistance, in favor of social justice embodied. In the active participation of the municipal government of Dalian, Dalian university students basic medical insurance has been established and has been running four years, but students practice run health insurance system can be seen that the current health insurance Dalian college system has achieved some success, but its design of the system and supporting health facilities there are still many deficiencies, both supply and demand for health services less binding, resulting in a higher incidence of moral hazard, thus making Dalian students in the basic medical insurance system inefficient environment run.This article is a university student in the city of Dalian Development of the basic medical insurance system based on the study, in-depth analysis of the data through the medical center in Dalian university students the basic medical insurance system and the implementation of medical insurance fund income and expenditure, and find out the Dalian Medical University Students insurance system in the real practical problems existing in the running, and through the analysis of the problem studied, students in Dalian medical insurance system improvements made reasonable opinions.In this paper, data analysis, found that college students health insurance policy in Dalian The main problems are:(1) the current city college runs a small medical insurance system exists to benefit and risk control face the problem of low;(2) the medical student population in our city lower actual demand of health services;(3) of the students in our city in an unbalanced state health insurance fund, there is a substantial surplus.In this paper, Dalian university students for the reality of health insurance issues run a bit observations:(1) expand the students’ social health insurance coverage, and enhance force protection funds:compulsory insurance by way to expand health insurance coverage of college students; through adjust overall fund allocation model, to enhance the fund of the force;(2) take the purchase of services way to play college social insurance restraining effect on the cost of medicines;(3) reform of public hospitals, to guide high-quality balanced distribution of medical resources, optimize public structure and layout of the hospital, a community hospital-based medical services to improve the level of protection, and improve public hospitals and basic medical and health institutions up and down linkage mechanism;(4) raising the level to solve the difficult problem of off-site medical expense settlement.