基于我国农村医疗救助政策的实施状况,分析了医疗救助政策上存在的问题与挑战。同时,通过与其他国家医疗救助社会政策的比较与借鉴,提出在目前新型农村合作医疗制度逐步推进的基础上,我国应构建一个政府主导下,以“健康卡”为媒介的,医方和社会工作者共同提供医疗救助服务的发展型农村医疗救助制度。 Based on the implementation of the rural medical aid policy in our country, the problems and challenges in the medical aid policy are analyzed. At the same time, based on the comparison and reference of social medical assistance policies with other countries, it is proposed that on the basis of the gradual advancement of the new rural cooperative medical system, our country should build a government-led health card system, And social workers to provide medical assistance services, development of rural medical assistance system.