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工伤保险是社会保险制度的重要组成部分,它对维护劳动者的合法权益,保障公民的健康和生命权利起着举足轻重的作用。在实行工伤保险社会统筹后形成的工伤保险基金中,工伤医疗费用的支出占基金的比例较大。且工伤医疗费用具有较大的变动性,由于现行的工伤医疗费用实行全额报销,费用不易控制,在职工工伤的治疗过程中容易形成“小伤大养”、“慷‘公家’之慨”的现象,造成医疗费用的浪费,甚至导致工伤保险基金的危机。
Work-related injury insurance is an important part of the social insurance system. It plays a decisive role in safeguarding the legitimate rights and interests of workers and safeguarding citizens’ rights to life and health. In the industrial injury insurance after the implementation of social co-ordination form of work-related injury insurance fund, the cost of work-related medical expenses accounted for a larger proportion of the fund. In addition, the medical expenses for occupational injuries are greatly variable. Since the current medical expenses for work-related injuries are fully reimbursed and the expenses are not easily controlled, it is easy to form Generous "phenomenon, resulting in the waste of medical costs, and even led to the crisis of industrial injury insurance fund.