中国基本医疗保障制度的普遍整合——基于厦门的经验分析

Universal Integration of Basic Medicare System —A Case Study of Xiamen City

中国基本医疗保障制度逐渐实现了全面覆盖,可是参保人员的缴费标准及补偿标准差异十分显著,各项医疗保障制度的整合程度较低,医疗保障待遇呈现出阶层化倾向。为此,借助于2003—2009年时间序列数据对厦门市城乡居民的患病率、消费结构、医疗费用总支出占财政支出比例等进行测算,发现普遍整合后民众所需要的医疗经费支出占整个财政收入比例较低,因而完全可以将现有的各种医疗保障制度类型整合为"职工基本医疗保险制度"和"个人基本医疗保险制度",采取个人与单位按参保者的收入比例共同缴费,实行相同的补偿模式、补偿比例以及补偿项目,进而建立起普遍整合的医疗保障制度,促进医疗保障制度更加公正持续的发展。

Although we have gradually achieved an has not attaind a high levle of integration with far varied overall coverage, the Chinese basic medicare system premium and indemnity. So we take Xiamen city as an example to prove the possibility of universal integration of basic medicare system. Moreover, we examine and consider two parts of basic medicare system. One is staff basic medicare system and the other is individual＇s. They have the same compensation mode, ratio and items, and this can establish a universal integration of basic medicare system.