大学生医疗弱势群体医保问题的对策研究

Research on Medical Insurance for Vulnerable Groups in College Students

我国大学生医保自2009年秋季开始按照居民医疗保险制度执行三年多来,实现了"基本医疗保险保基本"的目的,但对于大学生医疗弱势群体的帮助却有很大的局限性,其主要原因在于医保基金总额不足和缺乏救助措施。为了破解这一难题,就必须建立以国家财政拨款为主、学校筹资为辅的针对弱势群体的救助基金,同时适当引入商业保险来分担风险。救助基金应做到有一定规模的、稳定的来源并且收支情况公开透明,能够有效地化解大学生医疗弱势群体医疗保障存在的问题。

Medical insurance for college students in our country began in autumn, 2009 in accordance with the residents medical insurance system, and in the past three years, it has realized the goal of ＂the basic medical insurance covers basic needs＂, but it still has a lot of limitations in helping the vulnerable groups in college stu- dents, which is mainly due to the shortage of medical insurance fund and lack of relief measures. In order to solve this problem, it is necessary to take the following measures： establishing a relief fund for the vulnerable groups of which the main capital source is national financial appropriation with school financing as its supplement, and proper introduction of commercial insurance to share the risk as well. In order to solve the problems existing in the medical insurance system of invulnerable college students effectively, the relief fund should have a stable source with a certain scale, and its balance should be transparent.