What are the problems of rural medical insurance

Basic medical insurance is a low level, wide coverage, basic protection, multi-level, sustainable, socialized services as the basic principle, is the specific implementation of the policy of personal health medical protection. Basic medical insurance from the initial basic medical protection of urban workers began to gradually expand the scope of protection, the realization of rural medical protection.

All along, China has been continuously improving and expanding the basic medical insurance system. In fact, there are some problems in the basic medical insurance system, and rural medical insurance is no exception. The following is to specifically analyze the problems and related countermeasures.

(a) The payment method is not flexible enough

Individual contributions of farmers participating in the new rural cooperative medical care are centralized, and some of the farmers who work outside the country are unable to enjoy the cooperative medical care treatment in the following year because they miss the payment period. At the same time, there are still some farmers who can't pay the medical insurance in time in the place where they moved in, which causes some troubles when they seek medical treatment.

(2) Cumbersome reimbursement procedures

It takes a long time to report, approve and withdraw from the bills, and farmers often need to visit the designated hospitals, return to the user's township for approval, and then return to the designated hospitals for reimbursement after approval, which increases the farmers' transportation expenses, especially for farmers in remote areas, which is a lot of inconvenience.

medical insurance is the inevitable result of social progress, production development, in turn, the establishment and improvement of the medical insurance system and further promote the progress of society and the development of production. On the one hand, medical insurance relieves workers of their worries and enables them to work with peace of mind, so that they can improve labor productivity and promote production development; on the other hand, it also ensures the physical and mental health of workers. In order to mobilize the enthusiasm of farmers to participate in the insurance, to solve the current situation of farmers to see a doctor, difficult to reimbursement, should further improve the basic measures of rural medical insurance.

(D) Increase financial investment in township health care institutions

First, the government should raise the level of attention to rural health care, and further establish and improve the input mechanism for rural public **** health funding to ensure that the rural public **** health costs continue to increase. The Government's annual increase in health investment should focus on supporting township and village-level health organizations, equipping them with the necessary medical equipment, and consolidating and improving the construction of the three-tier preventive health care medical network in rural areas. Secondly, the government should actively encourage the township hospitals to use market regulation means, pay attention to attracting private capital, take joint ventures and shares, equipment leasing and other ways to change the medical institutions of a single public ownership of property rights institutions, and to further improve the efficiency of the services of the medical institutions and economic returns.

(E) to improve the level of rural medical

First, to strengthen the village health center support and management. Strengthen the administrative linkage of the township health center to the village health center, and give the township health center certain power in the qualification confirmation, management and professional ability training of the personnel of the village health center, so as to not only increase the centripetal force of the village health center to the township health center, but also improve the professional quality of the practitioners of the village health center. Second, mutually beneficial cooperation between village health clinics and township health centers should be promoted in terms of business and drug purchasing in order to improve the ability of rural areas to deal with emergencies. Third, the construction of rural health personnel should be strengthened. On the one hand, existing health technicians should be given regular training and exchanges. On the other hand, the relevant departments should formulate relevant policies to actively improve rural medical and health conditions, attract university graduates or retired specialists to sit in the clinic or find counterparts to support the unit for exchanges, so as to improve the level of rural medical care as a whole. Fourth, the township health office equipped with the necessary medical equipment, and invite professionals to teach village doctors the correct use and maintenance of equipment, to change the situation of rural health clinics to treat the lack of medical equipment.

(F) vigorously popularize the health care knowledge

First, in the early stage of medical insurance, urban residents medical insurance publicity activities, through the printing of "medical insurance policy management answers" and other publicity materials, and organizing personnel will be publicity materials distributed to every household in the townships, and at the same time, through in the townships, bazaars, traffic routes and other important locations to hang publicity banners, the townships and townships, the marketplace, and so on. At the same time, by hanging publicity banners in townships, marketplaces, major transportation routes and other important locations, we strive to achieve a 100% knowledge rate of the residents' medical insurance policy. Secondly, during and after the urban and rural residents' medical insurance publicity activities, the staff explains to the residents the new policy and reimbursement process of participating in the urban and rural residents' basic medical insurance, and patiently and meticulously answers the relevant questions raised by the residents in the community, so as to let the residents understand the new policy of urban and rural residents' medical insurance in a close distance, and to raise the awareness of the participation in the insurance. Third, the regular organization of the city's medical institutions, medical workers to the township health centers and preventive health stations to carry out publicity and knowledge lectures, on-site answers to farmers concerned about the medical hot and difficult issues, and deepen the majority of farmers on general knowledge of health and health care knowledge.