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随着我国医疗社会保险制度改革的进一步推进,旨在扩大保险受益面的城镇居民基本医疗保险制度也已初步建成,并开始在部分城市试点实施。这项制度尽管在扩大覆盖面和保障居民医疗支出等方面向前迈进了一大步,但依然面临着一些医疗保险制度的通病。同时,这项新制度自身也存在一些可探讨的地方,如个人账户应否建立,保大病的原则应否兼顾小病等,文章将针对这些问题对武汉市的试点情况展开分析与探讨。
With the further promotion of the reform of the medical social insurance system in our country, the basic medical insurance system for urban residents who have been expanding the coverage of insurance has also been initially established and started to be piloted in some cities. Although this system takes a big step forward in expanding coverage and safeguarding residents’ medical expenses, it still faces some common problems in the medical insurance system. At the same time, the new system itself has some areas for discussion, such as whether individual accounts should be established and whether the principle of protecting serious diseases should be taken into consideration when dealing with minor illnesses. The article will analyze and discuss the pilot projects on these issues in Wuhan.