基于城乡二元结构下我国的医疗保险公平性研究

发布时间：2018-06-19 03:49

本文选题：医疗保险 + 公平性　；参考：《山东理工大学》2014年硕士论文

【摘要】：近年来医疗保险已经成为一个炙手可热的话题，随着经济的不断进步，我国的医疗保险不但在内容上得到了极大的丰富，并且在程度上也有了深度的发展，但是其存在的问题也是显而易见的，尤其是在公平公正方面。医疗保险是否公平公正这个问题在我国的相关医疗保险制度诞生时就随之产生了，，并且没有得到切实的解决而延续到今天。我们先要明确公平的含义，公平由平等和公正组成，两者相辅相成缺一不可。当我们探讨社会保障的公平性时则要遵循：平等性、福利性以及差异性三个准则。而医疗保险又是社会保障体系中至关重要的一节，细细分来有以下几个方面需要注意。第一：医疗保险机会的公平性。第二：医疗保险筹资的公平性。第三：医疗资源配置的公平性。第四：社会医疗保险分配的公平性。不同的国家有着不同的医疗保障模式，普惠性医疗保障是当今社会一种在公平性方面有着很好表现的医疗保障体系，它的代表国家是英国和澳大利亚。不难看出普惠性医疗保障的前提是国家良好的经济发展水平。而如今更常见的则是采用社会医疗保险。而社会医疗保险不仅仅受到经济发展的制约，其制度自身就有不完善的地方，这也就引出了社会医疗救助存在的必要性。随着我国经济的腾飞，我国的社会保障水平也在不断的提高，医疗保险这方面尤为显著。但是公平性问题却日益突出，户口地属于城镇的公民有比较完善的医疗保险制度来确保自身的健康，而相比来说农村就差远了。为了应对这一局面，新农村合作医疗保险制度应运而生。这也是对于在城乡二元结构下医疗保险公平性缺失这一顽症的良药。通过对我国现有的关于医疗保险的数据分析，我国在医疗保障公平性上还是存在着很多问题的，首先是筹资不公，其次是医疗服务利用不公，最后则是制度外的原因。有问题就要有对策。首先必须完善城乡医疗保险制度的管理运行模式。其次完善现有医疗保险的筹资机制。再次发挥政府和医疗机构在公平性中的作用。最后要把以人为本的思想贯彻落实到医疗保险的发展中。
[Abstract]:In recent years, medical insurance has become a hot topic. With the development of economy, the medical insurance of our country has not only been greatly enriched in content, but also developed in depth. But its existence problem is also obvious, especially in the aspect of fairness and justice. The question of whether the medical insurance is fair and just has arisen since the birth of the related medical insurance system in our country, and has not been solved to this day. We must first clarify the meaning of fairness, which consists of equality and justice, which complement each other. When we discuss the fairness of social security, we should follow three criteria: equality, welfare and difference. Health insurance is also a vital section of the social security system, with the following aspects to be noted. First: the fairness of health insurance opportunity. Second: the fairness of health insurance financing. Third: the fairness of medical resources allocation. Fourth: the fairness of social medical insurance distribution. Different countries have different modes of medical security. Inclusive medical security is a kind of medical security system which has a good performance in fairness in today's society. Its representative countries are Britain and Australia. It is not difficult to see that the premise of inclusive health care is a good level of economic development. Now it is more common to use social health insurance. The social medical insurance is not only restricted by economic development, but also its system itself is imperfect, which leads to the necessity of the existence of social medical assistance. With the rapid development of China's economy, the level of social security is improving, especially in medical insurance. But the issue of fairness is becoming more and more prominent. Citizens who belong to cities and towns have a relatively perfect medical insurance system to ensure their own health, but compared with the rural areas, it is far from good. In order to deal with this situation, the new rural cooperative medical insurance system came into being. This is also a cure for the lack of equity in health insurance under the dual structure of urban and rural areas. By analyzing the existing data of medical insurance in our country, there are still many problems in the fairness of medical security in our country. Firstly, financing is unfair, secondly, the utilization of medical services is unfair, and finally, the reasons are out of the system. If there is a problem, there must be countermeasures. First of all, we must improve the management and operation mode of urban and rural medical insurance system. Secondly, improve the existing funding mechanism of medical insurance. The role of government and medical institutions in fairness should be brought into play again. Finally, we should carry out the idea of people-oriented to the development of medical insurance.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.684;R197.1

【参考文献】

中国期刊全文数据库前10条

1 吕文洁;;我国城镇卫生筹资公平性研究——基于医疗保健支出累进度的测算[J];财经研究;2009年02期

2 刘佳;;我国医疗保险公平性分析[J];法制与社会;2014年06期

3 姚志刚;张莹;姜忠;;医疗保险制度的公平性研究[J];江苏卫生事业管理;2011年05期

4 杨晓琼;易守宽;;浅析新型农村医疗保险的公平性问题——以云南省玉龙县为例[J];科教导刊(中旬刊);2010年02期

5 叶金国;;医疗保险的特性与管理——基于美国医改案例的分析[J];河北学刊;2012年05期

6 刘平;李跃平;张晓萍;;我国城镇职工基本医疗保险公平性存在的问题及原因分析[J];中国全科医学;2006年09期

7 赵奕钧;;基于收入分配差异模型的我国医疗保险公平性实证研究[J];统计与决策;2012年20期

8 江里程,林枫;论医疗保险和服务制度的可持续发展[J];中国卫生经济;2004年02期

9 吴传俭,周绿林,梅强,蔡晓霞,路正南;医疗保险费用不合理利用的原因与控制措施研究[J];中国卫生经济;2005年05期

10 吴传俭,梅强,周绿林,余悦,刘石柱;补充医疗保险对卫生资源利用公平性影响的思考[J];中国卫生经济;2005年05期