I. Here are some possible directions for improvement:
1. Increase coverage: Increase the scope of health insurance coverage to cover more medical items, including medicines, treatments and surgeries, in order to reduce personal expenses on medical care.
2. Paying individual fees based on income: Linking the cost of health insurance to an individual's income allows for a fairer sharing of the burden of medical costs, allowing higher-income earners to take on a greater share of the burden, thereby reducing the financial pressure on lower-income earners.
3. Promoting primary medical care: Strengthening the construction and development of primary medical care organizations, so that more people can obtain basic medical services at the nearest primary medical care organization, and reduce the over-reliance on large hospitals.
4. Improving the reimbursement process: Simplifying the health insurance reimbursement process, improving the efficiency of reimbursement, and reducing the cost of patients' time and energy.
5. Improvement of inter-regional reimbursement: Improve the process of inter-regional reimbursement, so that patients can more conveniently seek medical treatment in other regions and receive reimbursement.
6. Improving the quality of medical services: Improving the quality of services provided by medical institutions and medical personnel, reducing medical accidents and disputes caused by medical errors, and thus reducing medical risks.
7. Enhancing information technology applications: Promoting information technology applications such as electronic medical insurance cards and mobile medical payments to improve the convenience of medical insurance management and services.
II. As a kind of social security system, medical insurance (health insurance) has various usefulness and advantages, including the following aspects:
1. Lowering the threshold of medical care: With medical insurance, people do not have to worry about high medical costs when they are sick, and they can seek medical treatment in a more timely manner, which improves the accessibility of medical care.
2. Protection of medical expenses: The health insurance provides a certain percentage of medical expenses reimbursement for the insured, which reduces the burden of medical expenses incurred by individuals due to illness.
3. Social Stability: Health insurance helps to reduce the financial pressure on families caused by illness, thus reducing social instability and maintaining social stability.
4. Prevention and early treatment: The existence of health insurance encourages people to take preventive care because early treatment can reduce subsequent medical expenses and lower the risk of diseases.
5. Reducing the risk of poverty: Medicare prevents sudden financial burdens due to illness and reduces the risk of poverty due to illness.
6. Fair sharing of risks: health insurance spreads medical costs to the entire insured population, realizing the ****sharing of risks and reducing the economic risks borne by individuals due to sudden illnesses.
In short, these improvement points help to make the health insurance system more fair, efficient and sustainable, so as to better meet people's health care needs.