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自2003年《关于建立新型农村合作医疗制度的意见》的出台,我国广大农村逐渐建立起新型农村合作医疗制度,截至2012年,已有8.12亿农民参保,解决了我国广大农村居民的医疗问题,但是因病致贫、因病返贫现象仍就存在,本文通过对现行新农合制度的研究及对农村居民的收支情况分析,论证在农村建立大病补充医疗的必要性与合理性。最后提出自己的观点,即农村急需建立第二层次的大病补充医疗保险制度。
Since the promulgation of the “Opinions on Establishing a New Type of Rural Cooperative Medical System” in 2003, a large number of rural areas in our country have gradually established a new type of rural cooperative medical system. As of 2012, a total of 812 million peasants have taken part in the medical insurance and have solved the medical problems of the vast rural population in our country However, due to the illness caused by poverty, the phenomenon of returning to poverty remains. In this paper, through the study of the current new rural cooperative medical system and the analysis of the income and expenditure of rural residents, this paper demonstrates the necessity and rationality of establishing supplementary medical treatment in rural areas. Finally, I put forward my own opinion that the rural area urgently needs to establish a second level supplementary medical insurance system.