深圳市职工医保个人账户家庭共享的成效及启示

Achievements and Implications of Family Sharing of Basic Medical Insurance Individual Account of Urban Employees in Shenzhen

我国职工基本医疗保险个人账户在运行过程中存在基金沉淀过多、使用范围窄、社会互济差、滥用严重等问题,针对个人账户存在的弊端,深圳市从2011年开始推行职工医保个人账户家庭共享政策,家庭共享政策的实施扩大了个人账户的支付范围、激活了个人账户的沉淀基金、实现了个人账户的互助共济,受到了社会各界的广泛好评,具有较强的借鉴和推广意义。

During the operation of the Basic Medical Insurance Individual Account of Urban Employees, there are so many problems,such as excessive fund precipitation, narrow scope of application, poor social relief, and severe abuse. Aiming at these drawbacks, Shenzhen has carried out a Family Sharing Policy for employees＇ individual medical insurance accounts since 2011. This policy was effective to expand the pay range of individual account, activate the precipitation funds and turn the mutual aid into reality, thus it with great significance in learning and promotion has gained a wide praise by people in all walks of life in the society.