断保现象成因及对策分析

Causes and Countermeasures Analysis of the Phenomenon of Insurance Withdrawing

本文针对日趋严重的断保现象,分析成因并提出相关政策建议。在保持基本医保制度模式下,通过改革政策参数,如确定适度待遇水平、降低费率;实行灵活弹性的多档缴费选择,并与待遇水平挂钩;城乡居民医保由自愿变强制;加大宣传力度,提高群众参保缴费主动性积极性;加强医保经办能力建设,为参保缴费提供方便快捷高效安全的服务等,巩固全民医保成果。

Facing the increasingly serious phenomenon of insurance withdrawing, this paper analyzes it causes and puts forward relevant policy suggestions, i.e., under the basic medical insurance mode, through the reform of policy parameters, such as determining appropriate treatment level and reducing the premium rate;using flexible multiple choice of payment and relating it to the level of treatment; changing urban and rural residents health care from voluntary to compulsory;intensifying propaganda to improve people’s initiative and enthusiasm to buy insurance; strengthening the construction of medical insurance handling ability, and providing convenient and efficient security services for premium payment, therefore, to consolidate the achievements of universal health care.