我国住院医疗救助补偿现状调查分析

Investigation and analysis of reimbursement scheme of medical aid for inpatients in China

阐述了我国部分地区住院医疗救助补偿方案的特点，一是起付线相差大；二是封顶线高低不一，三是报销比例不统一，四是采用分类救助的方式，五是广泛采用纳城镇职工基本医疗保险的做法，对典型地区住院救助方案进行了分析。并提出政策建议，第一，适当调整起付线，封顶线和报销比例；第二，加大政府投入，拓宽筹资渠道；第三，加强对救助对象就医的引导；第四，加强住院医疗救助的监督管理。

The paper summarizes the characteristics of reimbursement scheme of medical aid for inpatients in some regions of China, which include that the minimum standard, maximum standard and proportion of reimbursement are not unified in different regions, classification-based aid is generally adopted, and the method of basic medical insurance for urban workers is widely used. The reimbursement scheme of medical aid for inpatients in typical areas is also analyzed, and some policy suggestions are proposed that the minimum standard, maximum standard and proportion of reimbursement should be adjusted appropriately, the government input should be increased and financing channels should be widened, the guidance of aid objectives for medical treatment should be enhaneed, and the supervision and management of hospital medical aid should be strengthened.