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解决好庞大的进城务工人员社会医疗保险问题,对我国当前社会医疗保险制度建设具有非常重要的影响。进城务工人员具有明显的区域分布特征,其社会医疗保险应该以就业集中城市为切入点,结合其就业与流动特征,采取适宜的社会医疗保险模式。首先是储蓄式基金筹集模式提高其参保率并实现基金安全管理;其次是采取工伤、生育与医疗等3种保险相结合的小综合医疗保险模式,重点解决大病保险,允许储蓄基金异地购买国家基本药品目录内药品;打破地域限制,实行输入地集中区域内统筹,并在适当条件下实行输入地与输出地异地定点医疗。
Solving the huge problem of social medical insurance for migrant workers has a very important impact on the current social medical insurance system in our country. Migrant workers have obvious regional distribution characteristics, and their social medical insurance should focus on employment-focused cities, taking into consideration the employment and mobility characteristics and adopting an appropriate social medical insurance model. The first is a savings-based fund-raising model to improve its insured rate and achieve fund safety management; the second is to take a combination of three forms of work injury, maternity and health insurance comprehensive medical insurance model, focusing on resolving major illness insurance, allowing savings funds to buy countries Drugs in the catalog of essential drugs; breaking geographical restrictions, implementing centralized planning in the areas where importation takes place, and carrying out fixed-point medical treatment in different places with input and output under appropriate conditions.