城乡医疗保障制度整合的总体思路与政策建议

Policy Suggestion and General Ideas about the Integration of Urban and Rural Medical Security System

整合城乡医疗保险制度,构建多支柱的医疗保障体系,是实现医保事业持续健康发展的需要。按照"职工+居民"的总体制度框架,以人人持续享有适中的医疗保险待遇为目标,全面整合优化现行医疗保险制度。正确处理"政府与市场、基本与补充、保险与保障、中央与地方"的关系,逐步地建立起由"国民初级卫生保健、职工基本医疗保险、国民大病补充医疗保险、国民重特大疾病救助捐助基金"构成的"四支柱"医疗保障体系。

The Integration of urban and rural medical insurance system and the construction of multi-pillars medical care frame is an essential part to realize sustainable and healthy development of medical insurance. According to the general system frame of “worker plus resident” and based on the goal that everyone should enjoy modest medical benefits sustainably, the current medical insurance system can be integrated and optimized comprehensively. By handling the relationship between“government and market, basic insurance and supplemental insurance, insurance and security, central government and local government” correctly, it could contribute to building up gradually a “four pillars” medical care system that comprise “national primary health care, employee basic medical insurance, national supplemental medical insurance for serious illness, national salvation and donation fund for major and serious disease”.