The basic medical insurance method refers to the basic medical insurance system implemented by the state to protect citizens' basic medical needs. The system implements the principles of hierarchical management, overall consideration and classified payment, and the insured can enjoy medical security to a certain extent. Specifically, patients in hospitals within the scope of medical insurance can enjoy medical insurance with medical insurance cards, and medical expenses are paid in part or in whole by the medical insurance system. In addition, the medical insurance also provides the insured with a list of medicines and medical services, defines the medical services and medicines that the insured can enjoy, and realizes the controllability and standardization of medical service prices. However, although the implementation of the basic medical insurance system provides a certain degree of medical security for the insured, there are still some problems and deficiencies in the specific implementation process. For example, due to the shortage of medical insurance funds, the medical insurance system in some places can not provide timely and effective protection, resulting in some patients unable to enjoy timely medical services. At the same time, because the payment of medical insurance fees does not cover all medical services and drug types, it also brings economic burden to some patients.
How to avoid loopholes or drawbacks in medical insurance? In order to ensure the smooth operation of medical insurance, supervision and management can be strengthened, including strengthening the supervision and management of medical insurance funds, strict medical price management, strengthening the qualification verification of insured persons, and cracking down on insurance fraud according to law. At the same time, information technology can be used to ensure the authenticity and accuracy of medical data and improve the supervision ability of medical insurance system.
The basic medical insurance method is an important system for the state to ensure the basic medical needs of citizens, and the insured can enjoy medical security to a certain extent. However, there are still problems and deficiencies in the specific implementation process, and it is necessary to strengthen supervision and management to improve the efficiency and fairness of the medical insurance system.
Legal basis:
Measures of People's Republic of China (PRC) Municipality on Basic Medical Insurance Article 7 The medical insurance fund shall be raised by insured persons, employers and other relevant units, government subsidies and other ways, and the basic medical insurance system shall be fully covered through overall payment.