析保险业参与我国新型农村合作医疗建设

新型合作医疗的实施对于提高农民健康水平、缓解农民因病致贫、因病返贫、统筹城乡发展、实现全面建设小康社会与和谐社会目标具有重要作用。新型农村合作医疗自身的特点给保险业的积极参与提供了条件。保险业应结合自身优势,克服不利因素,积极参与新型农村合作医疗建设。建议政府和监管机构给予明确的政策法规支持;深化医疗体制改革,改善医疗服务环境;保险公司应提升自身业务管理能力,与医疗机构通力合作,加强风险管控等,以更好地发挥保险业在和谐社会建设过程中的重要作用。

The implementation of the new type rural healthcare scheme is important in improving health of rural population, relieving them from landing in poverty due to illness, coordinating development across the rural and urban areas, and achieving the goal of creating an all-round well-off society and a harmonious society. The inherent characteristics of the new type rural healthcare scheme make it appropriate for the insurance industry＇s active involvement. The insurance sector should actively participate into the rolling-out of the scheme by enlisting their advantages and overcoming restricting factors. The paper suggests government to provide with explicit policy and regulatory support, deepen medical system reform to improve the environment of medical services, and the insurance industry should work closely with medical service providers, improve their risk control capability and enhanceng their business management ability to play a more important role in the creation of a harmonious society.