建立在校学生医疗保障体系的思考

根据不同教育阶段在校学生群体的医疗保障现状和疾病谱，应建立与社会经济发展水平相适应的“低水平、广覆盖”的医疗保障新模式，以国家和个人合理共担的筹资缴费模式，实现在校学生基本医疗保险制度的全面覆盖，提高基金共济能力和抗疾病风险能力，切实化解在校学生的疾病医疗风险，并通过医疗费用支出水平分析评估基金风险，确保基金稳健运行。在校学生医疗保障新模式可满足在校学生基本医疗需求，实现基金节余和持续发展，而且对和谐社会构建具有重要的现实意义。

Thought on Building Medical Security System of On-campus Students

According to the medical security status and disease spectrum of the on - campus students in different stages of education, a new mode of medical security should be established with the characteristic that low level, wide coverage. It is in accordance with the development level of society and economy. With the contribution model of individual and country at a reasonable sharing level, it is prone to achieve the full coverage of the basic medical security system of on - campus students. Therefore, the capacities of fund＇ s coadjutant effect and anti - disease risk can be strengthened. And it can effectively reduce the on - campus students＇ medical risks. It is propitious to ensure the fund operated stably by the analysis and evaluation of the fund risk based on the level of medical expend- iture. Meanwhile, this new mode can meet the basic medical needs of on - campus students, achieve surplus fund and maintain sustainable development. It also has an practical and significant impact on building a harmonious society.