ABSTRACT
By analyzing the operation characteristic of community cooperative medical system in Guangzhou and the existing problem of basic medical insurance system in China, it provides the important value of exploring the implement of medical insurance system in China. Under the background of the low security level of basic medical insurance system in China is relative low, the disease risk is uncertain, medical needs diversification, medical cost inflation and the aging tendency of population, it is revealed to encourage the cooperative medical treatment of community with economic strength and enterprise development with similar enterprise annuity, as the supplement of the basic medical security system would help to compensate the lack of basic medical insurance system and meet the demand of diversified medical treatment.
ABSTRACT
Objective To explore appropriate organization and financing models of urban employees supplementary medical insurance under the conditions of the market economy. Methods Employee surveys on willingness to participate in, willingness to pay for, and actual enrolment in supplementary medical insurance were conducted in Shanghai, Wenzhou and Chengdu and nationally different operational models were compared so as to analyze prospectively coverage and operational models of feasible supplementary medical insurance options. Results Characteristics of the employees needs for various supplementary medical insurance options were garnered and appropriate coverage and operational models were put forward. Conclusion It is suggested that the role of the government in the development of supplementary medical insurance be clearly defined, the development of supplementary medical insurance be promoted through policy support and guidance, and the supervision of supplementary medical insurance be strengthened.