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建立农村合作医疗制度既是国家政策的方向,又是提高社会保障水平的重要措施,其研究和试点工作正如火如荼地开展。合作医疗基金的筹集、管理、运作等都不可否认地是此制度的重要领域,时其设计的好坏将关系到整个制度的运行问题。本文先简单描述农村合作医疗制度的渊源,然后展开时农村合作医疗基金在筹费设计、基金管理、报销范围、比例、程序、等方面的分析,提出相应的解决措施,同时提出在条件成熟时应该改农民自愿参保到强制参保的政策。
Establishing a rural cooperative medical system is not only the direction of the state policy, but also an important measure to improve the level of social security. Its research and pilot work is in full swing. The collection, management, and operation of cooperative medical funds are undeniable important areas of the system. When the design is good or bad, it will affect the operation of the entire system. This article first briefly describes the origins of the rural cooperative medical system, and then expands the analysis of fundraising design, fund management, reimbursement scope, proportions, procedures, and other aspects of rural cooperative medical funds, and proposes corresponding solutions. Farmers should change their policies of voluntary participation in insurance and compulsory participation.