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基本医疗保险制度在我国刚刚实施,医疗保险制度改革的主要原则之一就是要建立国家、集体、个人三方共担机制。基本医疗保险费由单位和职工个人共同缴纳,这样不仅拓宽了医疗费用的筹资渠道,使职工医疗费用有一个稳定的资金来源,而且通过个人负担手段约束不合理的医疗费用支出,遏制浪费,增强个人的自我保障意识和医疗支出上的费用意识。然而,许多参保人员对社会保险十分不了解,思想观念仍停留在计划经济时代。为了让广大参保人员更加了解医保的相关政策,我们根据基本医疗保险的有关规定,给合参保人员反映比较热点的几个问题,向大家作一番阐述和解释。
As the basic medical insurance system has just been implemented in our country, one of the major principles in the reform of the medical insurance system is to establish a tripartite sharing mechanism between the state, the collective and the individuals. The basic medical insurance premiums are paid jointly by the unit and individual workers. This not only broadens the financing channels for medical expenses, provides a stable source of funding for staff medical expenses, but also restrain unreasonable medical expenses and expenditures by means of personal burdens to curb waste and increase Personal awareness of self-protection and medical expenses on the cost awareness. However, many insured persons do not know much about social insurance and their ideas and concepts remain in the era of planned economy. In order to let the majority of the insured persons know more about the health insurance policies, according to the relevant provisions of the basic medical insurance, we will give some explanations and explanations to the co-insurers about the more hot issues.