医保关系转移接续为何比养老保险难

Analysis on the Difficulty and Countermeasure of the Medical Insurance Relationship Transfer and Continuity

社会保险关系的转移接续问题是社会保障制度设计的难点之一,基本医疗保险自身的特殊性加剧了医疗保险关系转移接续问题的复杂程度。本文基于对医疗保险关系转移接续的内在含义和现行制度的解析,对其转移接续中的障碍因素进行分析,并在总结养老保险关系转移接续经验和各地探索实践的基础上,提出了缩小保险待遇差距、统一管理制度、明确核算方法、建立统筹基金等政策建议。

The social insurance relationship transfer and continuity is one of the difficulties in designing the social security system. The particularity of the medical insurance makes the issues more complex. Based on the inner meaning and the current policy, this paper analysis the practical obstacles in order to states some countermeasures, such as reduced insurance benefits gap, unified the management system, clarified the accounting method and established the national fund.