新加坡和我国医疗保险个人账户基金支付的比较差异分析

Analysis of Comparative Differences between Singapore and China's Individual Account Funds for Medical Insurance

目的比较分析新加坡与我国医疗保险个人账户支付的不同,为完善我国个人账户支付提出建议。方法通过比较分析的方法,分析两国医保基金支付管理的基本情况,并从基金的积累、控费效果、保障范围和分级诊疗方面概括两者的差异。结果我国与新加坡相比,个人账户基金总体控费效果有待提高,保障力度有待加强,分级治疗不够清晰。结论通过制定法规、提高资金使用效率、提高保障水平和划分医疗层级等措施,可在一定程度上完善我国医疗保险个人账户基金支付管理。

OBJECTIVE Comparing the differences between Singapore and China＇s medical insurance individual accounts, it put for- / ward some suggestions to improve individual account payment. METHODS Through comparative analysis, the basic situation of the payment management of the two countries＇ health insurance fund was analyzed. From the accumulation of fund, control fee effect, pro- tection scope, classification diagnosis and treatment of the difference. RESULTS Compared with Singapore, the overall control fee ef- fect of individual account fund needs to be improved, the guarantee intensity needs to be strengthened and the grading treatment is not clear enough. CONCLUSION By making laws and regulations, improving the efficiency of capital use, improving the guarantee lev- el and dividing the medical level, it could improve the payment management of our individual account fund to some extent.