城镇老龄群体医疗保险政策的比较分析——以北京、上海、广州为例

Comparison of the Policies of Medical Insurance among the Urban Elderly:Based on Beijing,Shanghai and Guangzhou

就城镇老龄群体医疗保险政策进行比较。依据北京、上海、广州2012年以来公布的有关城镇职工基本医疗保险的相关规定,对其个人账户门(急)诊及住院起付标准、封顶线、偿付比例、退休连续缴费年限等方面的指标进行了分析。在有关老龄群体医疗保险政策规定方面,各城市均有较大的差别。即使作为经济发达地区,这三个城市的医疗保险中针对老年人的医疗保险政策体现也并不充分。面对越来越庞大的老龄群体,更需要的是国家能从制度层面给予健康保障,并在具体政策方面予以体现。

This paper compared and analyzed the policies of medical insurance among the urban elderly. In accordance with the provisions of the basic medical insurance for urban workers in Beijing, Shanghai and Guangzhou since 2012, the personal accounts, outpatient and inpatient deductible, ceiling, proportion of payment and the retirement consecutive years of contribution compared in the study. There are obvious differences in medical insurance among the cities, Even as China＇ s developed areas in economic, the policies of medical insurance for the elderly does not adequately reflect. Facing the large vulnerable groups with rapid development, the government needs to have the institutional health protection and the specific policies.