1. It is difficult to restore and rebuild the original cooperative medical insurance system in rural areas in the short term
Since 1976, with the implementation of the rural joint-contract responsibility system, the grassroots cooperative medical system has gradually become a formality or disintegrated on its own. First of all, the source of funds is limited, but the expenditures have an obvious out-of-control phenomenon.
Secondly, the unequal enjoyment of health care services by cadres and villagers is one of the reasons why it is difficult to revive the cooperative medical care, but more importantly, the transformation of the income mechanism has completely struck the fund financing basis on which the cooperative medical care exists.
2. Uneven distribution of health care resources between urban and rural areas, and irrational allocation of health resources
More medical personnel with higher medical skills are gathered in large hospitals, and the health resources that most people in rural areas often utilize are the village health offices or individual village doctors, however, most of the village health personnel have not participated in formal training, and a considerable part of the village health offices do not have the necessary disinfection equipment.
The top three diseases among the rural population are respiratory diseases, malignant tumors and cerebrovascular diseases. Most of these diseases lead to a decline in family income or even poverty, and the occurrence of these diseases could have been reduced through the dissemination and popularization of health care knowledge, but due to the government's lack of investment in rural facilities and preventive work, it is difficult to carry out effective publicity campaigns.
3. Unstable rural cooperative medical policy
After the reform of the economic system, the state has taken a laissez-faire attitude towards cooperative medical care, and the cooperative medical care has changed from a national policy to a local policy, which makes the development of rural cooperative medical care lose the "mandatory" power of the state's policy, and the initiative has been greatly reduced. This made the development of rural cooperative medical care lose the power of the "compulsory" national policy, and the initiative was greatly reduced. Moreover, after the 1990s, the state to reduce the burden on farmers, the abolition of the mandatory "cooperative medical" program, this policy conflicts with the national policy to support the development of rural cooperative medical policy, thus increasing the difficulty of the development of rural cooperative medical care.
4. Lack of insurance legislation for rural medical care
There are no special laws and regulations to protect the cooperative medical care system in rural areas, so rural medical care is slow to get on the right track. The absence of a legal system guarantees that the nature of cooperative medical care cannot be accurately determined, and its role in the overall social security system is difficult to locate, lack of stability and continuity, and prone to confusion. Rural medical insurance legislation must be in line with the current stage of China's economic development and the needs of farmers, if you can not effectively reduce the burden of medical care for farmers, to the principle of coercion, will inevitably cause farmers to resent.