新型农村合作医疗制度的保费问题及对策建议

保费问题是新型农村合作医疗良性运行的重要条件,目前,保费存在诸多问题,影响到新型农村合作医疗的顺利运行。在保费的筹集过程中主要存在农民参合性不高、逆向选择、筹集顺序不科学和筹集成本过高等问题;在保费的管理方面主要存在管理主体不明确、管理成本过高、管理模式单一松散和管理的信息技术落后等问题。在新型农村合作医疗实践的过程中,应该从调动农民参合的积极性、保费筹集方式多样化、新型农村合作医疗经办机构具独立性和人大与政府加大对保费的监管力度等几个方面来完善它。

Premium of the New Rural Cooperative Medical System and Suggestions

Premium problem is an important condition of good operation of the new rural cooperative medical system.At present,premium faces many problems which affect the new rural cooperative medical system＇s running smoothly.In the process of raising premiums,there exist many problems,Such as the farmers＇ participating is not high,adverse selection,inefficient raising order,and high rising cost and so on.In the process of managing premiums,there exist many problems too.The main part of the management is not clear,management cost is high,the management model is single and loose,and the information technology is backward and so on.Therefore,in the practice of the new rural cooperative medical system,the following aspects would improve it.Arouse the enthusiasm of the farmers,diversify the raising model,make the management agency independence,what＇s more,the supervision of government should be strengthened.