原则 使城镇劳动者都能得到基本医疗保障;国家和企业不再包揽职工全部医药费用;公费医疗制度与劳保医疗制度统一政策,同步改革。 模式 建立“社会统筹医疗基金与个人医疗账户相结合”的社会医疗保险制度,并使之逐步覆盖城镇所有劳动者。 特点 体现了医疗保险基金由国家、企业、个人三方合理分担的原则;个人账 In principle, urban laborers can get basic medical security; the state and the enterprises no longer take care of the entire medical expenses of their employees; the uniformed policies of the public medical insurance system and the labor insurance medical system and the simultaneous reform. The model establishes a social medical insurance system combining “social pooling of medical funds with individual medical accounts” and gradually covers all urban workers. Characteristics reflect the medical insurance fund by the state, enterprises, individuals and three parties to share the principle of reasonable; personal accounts