一、以卫生部门为主承办保险业务,保险部门参加领导小组,参与决策。优点:在业务管理上能起有效的控制作用,能避免医药上的浪费;有利于调动乡村两级医务人员的积极性;有利于巩固农村三级卫生网。缺点:1、小面积,试点无经济后盾。平常年份保险可能有结余,如遇特大风险难于应付。大面积推行,即使分村核 I. Undertake insurance business mainly by the health department, and the insurance department participates in the leading group and participates in decision-making. Advantages: It can play an effective control role in business management and can avoid waste in medicine; it is conducive to mobilizing the enthusiasm of medical staff in two levels in rural areas; it is conducive to consolidating the rural tertiary health net. Disadvantages: 1, a small area, the pilot has no economic backing. Normal years of insurance may have balances, which are difficult to cope with if they are exposed to extraordinary risks. Large-scale implementation, even in villages