The medical insurance of Jiangsu is reformed: Make good use of the personal account and accumulate my fund

The medical insurance of Jiangsu is reformed: Make good use of the personal account and accumulate my fund
In January of this year, the one of staff of an enterprise run by the local people in Yancheng of Jiangsu comes to the medical insurance centre of the city in midsummer, have held a medical insurance account for its unemployed mother. What he used is the money of balance on one's own medical insurance card. A little over mother 50 of a midsummer, has not had medical insurance all the time. At last the beginning, one was hidden from mother in midsummer, went to the residents committee to pay 140 yuan, applied to participate in the medical pool for mother, mother smell know, all the different kinds to give up, urgent to go straight residents committee take, go back money: "Let's deposit some money for the grandson. " Now, one finishes handing in the long-cherished wish protected for mother at long last in midsummer: "There is more than 3000 yuan on my myself card, anyway can not use up, the policy allows to hand in protecting for the relative with the remaining sum of the card personal account of the medical insurance now, my mother is very glad too, can submit an expense account to see the doctor afterwards. "
The news of fund a large amount of balance of medical insurance, see in the media frequently. What Ministry of Supervision carried on the operating position of national Medical Benefits Funds together with Ministry of Public Health checks and shows, the fund balance rate of the regional medical insurance remains high at present, the fund balance rate of the medical insurance is up to 32.8% in 2008, far higher than about 10% of developed country of balance rate. Among them, it is very general that the balance happens in the personal account, balance degree of the pool account is quite big too. Take Yancheng as examples, since implementing the system of medical insurance in 1997, urban area personal account accumulate the intersection of I and fund in to have 60,000 more than people more than 600 yuans alone, personal account accumulate me to be most getting high to already up to more than 22000 yuan.
How to make good use of the personal account to accumulate my fund, produce helping function together of the medical insurance fund as much as possible, Yancheng has carried on innovative exploration. Last April, Yancheng take the lead in, issue in the whole country Method>>. " relative " among them Effect an insurance grand parents, parents, spouse, parents, children, the intersection of grandson and woman of worker. Personal medical the intersection of account and fund have, accumulate I every last end of year, behind not paying, effecting an insurance expense for relative its, personal medical the intersection of fund and remaining sum of account lower than to effect an insurance worker 600, applicable to this policy.
"In fact, Jiangsu is carrying on positive pilot project and exploration to ' family's account of medical insurance '. " During two Conferences, deputy to the National People's Congress, Jiangsu Province work to reveal to the media with drawing room chief Chen ZhenNing of the social security this year. The ones that will work and issue with the drawing room of the social security in Jiangsu Province in 2009 " File No. 1 " ,Propose " explore and launch the personal account of the medical insurance that manage the reforming clearly, expand the function of the personal account, expand medical treatment and ensure the range, explore the basic medical insurance clinic expenses of the urban worker conduct the method, give full play to helping function together of fund of personal account " .
In Taizhou, worker's medical insurance effects an insurance personnel's personal account can be used in the physical examination of the health, in hospital the hospitalization cost individual pays the part for itself, can be in the fixed medical organization too, retail the pharmacy to buy any medicines, but forbid buying health product and daily necessities. Suzhou stipulates the balance of in the past of personal account of all medical insurance over the person of 3000 yuan, can apply to get " Build up body to nip " ,And can shift to some amount of money and write into building up body the card is used in building up body to consume.
" family's account " Together help result
" family's account " Altogether Jinan result display quickly.
"Very obvious one advantage that expand medical insurance effect an insurance surface, let can only delay while being sick before the those effect an insurance poor person, also have ready conditions to ask managing. " Medical insurance Dr. Qi Ji, researcher of centre in Jiangsu Province says. Also just under the push of this policy, the medical insurance coverage rate of the residents of Yancheng has reached highest 99% of the whole province, have basically realized that should protect and protect to the limit.
The chapter of chief physician of the People's Hospital, Taizhou is clear but obviously felt too, after the new policies are implemented, increase notably. "Get rid of enter the intersection of duty and physical examination and physical examination that unit organize in the past, few people come physical examination voluntarily. Nowadays, having increased a lot of, especially civil servant and white collar. A good thing that this is is sick can find as soon as possible, treat as soon as possible. "
Buy medicines and exempt the catalogue to limit in the dispensary, make personnel benefited. Taizhou pacify Jun Li, river of city, because heart disease need, take, import the intersection of medicine and " wave stand and link " . He buys in the hospital at one's own expense in the past, because " the wave sets up and links " Outside buying the medicine catalogue in the medical insurance card. Now, he changes to go to the dispensary to buy, checks out with the personal account of the medical insurance, need not pay the cash.
"With the deepening of medical reform, the personal account of the medical insurance can purchase the medicine catalogue and should be unlocked constantly, many local government's attitudes toward medical insurance fund were asking for type in the past, do one's utmost to pursue the balance, even divert the balance fund to other purpose. " Qi Ji says.
The statistics show, up to the end of 2008, national basic medical insurance, including worker and resident, there is 317 million only in the number of people to effect an insurance. A numerous one effect an insurance crowd is sick to have, make every effort person who cure to be numerous, the dired straits can't bear. So, in a lot two, tertiary cities, an open secret is, effect an insurance in the family personnel go to the dispensary to buy medicines for the relative not effecting an insurance, let relatives use one's own personal account in a disguised form. "This has actually played a kind of function which families helped together too, however, always some ambiguous meaning which bore the policy gap. Not so good as carrying on institutionalized exploration, expand the function of the personal account, make the crowds as many as possible effect an insurance, it is rational and legal to give play to it to help the function together. " Qi Ji says.
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