健康扶贫兜底医疗保障的主要模式及思考

Induction and reflection on the “last line of defense” in medical security for the poor

我国健康扶贫兜底医疗保障的主要模式包括基本医保倾斜模式、医疗救助模式、政府财政兜底保障模式以及商业补充保险模式等,现行的多层次医疗保障体系的政策设计在健康扶贫中的功能定位和作用不一,因此,健康扶贫需要相关制度协同推进、形成保障合力,同时积极探索建立贫困人口医保制度,并通过商业保险经办或购买服务的形式,实现兜底保障。

The main modes of China＇s health care for the poor include primary health care support,medical assistance,government financial fallback protection,and commercial supplementary insurance.The policies of the existing medical security systems are different in their functions and roles in health promotion for the poor.Therefore,related systems should be able to promote synergy,and meanwhile we should explore the establishment of medical insurance system for the poor and carry out fallback protection through commercial insurance or service purchase.