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前言中共中央在“七五”建议中提出,要认真研究和建立形式多样、项目不同、标准有别的新的社会保障制度。卫生部根据这一指导思想,提出了在农村推行集资医疗,探索一条疏导国民消费基金的合理分配,实现社会健康保障的新路子。逐步推行集资医疗和医疗保险,不仅要根据居民卫生费用水平来设计保险方案,而且要掌握当地居民实际集资能力和接受程度,前者国内已研究出多种选择的方案,而后者基本上还是个空白。本文旨在比较居民对医疗保险集资程度和承受力以及实际医疗费用规模之间的差距程度,并分析影响居民的集资能力的社会经济因素,为各地推行集资医疗的条件,可能性和可行性提供决策思路和科学依据。
Foreword The Central Committee of the Communist Party of China proposed in the “Seventh Five-Year Plan” proposal to seriously study and establish new social security systems with various forms, different projects, and different standards. According to this guiding ideology, the Ministry of Health proposed to promote fund-raising in rural areas and explore a new way to ease the rational distribution of national consumption funds and realize social security. To gradually implement fund-raising medical and medical insurance, it is necessary not only to design insurance schemes based on the level of residents’ health expenses, but also to grasp the actual fund-raising capabilities and acceptance of local residents. The former has developed a variety of options in the country, while the latter is basically still a blank. . The purpose of this paper is to compare the degree of divergence between residents’ level and affordability of medical insurance and the scale of actual medical expenses, and to analyze the social and economic factors that influence the ability of residents to raise funds, and to provide conditions, possibilities, and feasibility for the implementation of fund-raising care in various places. Decision-making ideas and scientific basis.