商业保险参与新型农村合作医疗改革探析

随着新型农村合作医疗制度在全国的深入推广,地方政府履行其在制度实施中的责任时,暴露出了补偿比例偏低、补偿重点不够突出、基金结余比例过高等问题,如果这些问题得不到有效的解决,将直接影响新型农村合作医疗制度的长期发展。商业保险业要参与新型农村合作医疗改革,解决筹资机制、补偿方案、风险管控等问题,探索新型农村合作医疗保险发展的长效机制。

Discussion on the Reform of Commercial Insurance Involved in the New Rural Cooperative Medical Care

With the in-depth promotion of new rural cooperative medical care in the whole country,some problems come up particularly in local governments during the process of carrying out its responsibility in the implementation of the system,including the low proportion of the compensation,compensation of conspicuous lack of focus,high proportion of fund balances and other issues.If these issues cannot be effectively solved,they will directly affect the long-term development of the rural medical care.That commercial insurance industry participating in the reform of the new rural cooperative medical care has helped to explore a new type of long-term mechanism during the development of rural cooperative medical insurance in terms of funding mechanisms,compensation plans,risk control and other issues.