医疗保险

Author also compares the coverage and need of different kinds of medical insurance, compares and analysis different kinds of medical insurance in US and development of HMO, then predict and design a draw of the system of medical insurance in China in which demostrate different kinds of medical insurance and their change.

此外，作者还通过对我国医疗保险体系构成、覆盖、需求情况进行比较，以及对美国医疗保险体系构成、HMO发展及变化进行分析，在此基础上预测并构建了我国的医疗保险变化示意图，它主要包含了我国医疗保险的主要成分及其变化，并将社区卫生服务契约制度纳入该体系，预测该制度将来会得到更快速的发展，成为我国医疗保险体系中的重要组成部分。

In this study, the employee's willingness-to-participate in and willingness-to-pay for hypothetical supplementary health insurance packages designed by the research team was measured through contingent valuation method in Shanghai and Wenzhou. In Chengdu, the employee's actual rate of participation in supplementary health insurance was obtained through household survey. Logistic model was employed to establish the demand function and analyze the influencing factors. The organization and operation models for supplementary health insurance in different cities were summarized and comparatively analyzed. Based on the above results, proper coverage of health care and operation model for supplementary health insurance was discussed. Policy recommendation include the clear definition of the government's responsibility in the development of supplementary health insurance, the implementation of tax subsidy policy, the rule of the purchase of supplmentary health plans with personal saving accounts, and education and propagandism measures. At last, the regulation of supplementary health insurance is emphasized.

本研究根据上海和温州两地基本医疗保险框架分别设计了几个补充医疗保险方案，采用条件价值评估法调查了职工对这些补充医疗保险方案的意愿参加与意愿支付；在成都通过家庭入户调查获得了职工实际参加补充医疗保险情况，运用logistic模型建立了需求模型，进行了需求的影响因素分析；对国内补充医疗保险不同运作模式进行了总结与比较分析，探讨了补充医疗保险适宜的覆盖范围及其组织运作模式，并提出要明确界定政府在补充医疗保险发展中的职能定位，运用税收减免政策、允许用个人帐户购买补充医疗保险和宣传教育措施来扶持与引导补充医疗保险的发展以及加强补充医疗保险监管等政策建议。

To construct the social medical moral risk uncomplimentary information KMRW game model based on the happening reasons of the moral risk of social medical insurance , Some advice about how to control the moral risk efficiently gives at last to improve the security of social medical insurance fund .

通过对社会医疗保险道德风险产生原因与特征的探讨，根据不完全信息重复博弈模型对社会医疗保险道德风险进行了系统分析，据此提出了社会医疗保险道德风险的防控措施，以期实现对道德风险的有效防控，提高社会医疗保险基金的安全。

Complete courtyard covers an area of more than mus 40, set a two outpatient department, inpatient department, open hospital bed 301 pieces, cure of traditional Chinese medical science of county of the bridge that it is copper, religion, grind center, also be pharmaceutical college of traditional Chinese medical science of Chongqing medical university accessary hospital, medical university of southwest hospital of the third Military Medical University, Chongqing is accessary unicameral instructor hospital, privilege of membership of Chongqing city union orders a hospital surely; It is medical treatment of collaboration of country of cupreous bridge county, society at the same time green of accident of insurance of insurance of insurance of primary medical treatment, inductrial injury medical treatment, commercial medical treatment, traffic is fast rescue orders a hospital surely.

全院占地40余亩，下设两个门诊部、一个住院部，开放病床301张，为铜梁县中医医、教、研中心，也是重庆医科大学中医药学院附属医院，第三军医大学西南医院、重庆医科大学附属一院的技术指导医院，重庆市工会会员优惠定点医院；同时又是铜梁县农村合作医疗、社会基本医疗保险、工伤医疗保险、商业医疗保险、交通事故绿色快速抢救定点医院。

KT101.1 Computer Keyboarding Lab 1.5 KT101.2 Computer Keyboarding Lab 1.5 A101.1 Accounting I Lab 1.5 A101.2 Accounting I Lab 1.5 E102.1 Business Communications 1.5 E102.2 Business Communications 1.5 C108.1 Spreadsheet Applications Lab 1.5 C108.2 Spreadsheet Applications Lab 1.5 C110.1 Computer Medical Applications Lab 1.5 C110.2 Computer Medical Applications Lab 1.5 ME101 Medical Terminology 3 ME102.1 Medical Office Procedures Lab 1.5 ME102.2 Medical Office Procedures Lab 1.5 ME104.1 Medical Insurance Records 1.5 ME104.2 Medical Insurance Records 1.5 ME106.1 Advanced Medical Coding 1.5 ME106.2 Advanced Medical Coding 1.5 MA110.1 Anatomy and Physiology/Musculoskeletal, Integumentary, Eye, Ear, and Endocrine Systems 1.5 MA110.2 Anatomy and Physiology/Musculoskeletal, Integumentary, Eye, Ear, and Endocrine Systems 1.5 MA111.1 Anatomy and Physiology/Digestive, Urinary, Reproductive, Nervous, and Cardiovascular Systems 1.5 MA111.2 Anatomy and Physiology/Digestive, Urinary, Reproductive, Nervous, and Cardiovascular Systems 1.5 MA112.1 Medical Office Administration 1.5 MA112.2 Medical Office Administration 1.5 Total Quarter Credit Hours - 36

KT101.1电脑键盘操作实验室1.5 KT101.2电脑键盘操作实验室1.5 A101.1会计本人实验室1.5 A101.2会计本人实验室1.5 E102.1企业通信1.5 E102.2企业通信1.5 C108.1电子表格应用实验室1.5 C108.2电子表格应用实验室1.5 C110.1计算机医学应用实验1。 5 C110.2计算机医学应用实验室1.5 ME101医疗术语3 ME102.1医疗办公室程序实验室1.5 ME102.2医疗办公室程序实验室1.5 ME104.1医疗保险记录1.5 ME104.2医疗保险记录1.5 ME106.1高级医疗编码1.5 ME106.2高级医疗编码1.5 MA110.1解剖生理学/骨骼，体被，眼，耳，和内分泌系统1.5 MA110。 2解剖生理学/骨骼，体被，眼，耳，和内分泌系统1.5 MA111.1解剖生理学/消化，泌尿，生殖，神经，心血管系统和1.5 MA111.2解剖生理学/消化，泌尿，生殖，神经，心血管系统和1.5 MA112.1医疗办公室行政1.5 MA112.2医疗办公室行政1。 5 总数的四分之一学时- 36

Delimitating the conception of health , disease risk and medical insurance etc ., inducing the basic characteristic and the main function of the medical insurance ; recalling the history proceeding in the medical insurance law system in the world and establishment , development and reformation of our country ' s medical insurance law system ; analyzing the shortcomings of our traditional medical insurance law system and comparing it with the current law system from the aspects such as insurance efficiency , relation of right and duty , security level , covering scope and management methods etc .

界定了健康、疾病风险与医疗保险等概念，归纳了医疗保险的基本特征与主要作用；回溯了世界医疗保险法律制度的历史沿革和我国医疗保险法律制度的建立、发展与改革，剖析了我国传统医疗保险法律制度存在的弊端，并将之与我国现行医疗保险法律制度进行了比较分析，客观地指出了现行医疗保险法律制度与传统制度相比所取得的进步以及需要进一步完善的问题；探讨了当前完善我国医疗保险法律制度的相关政策建议。

The medicals in the CMS will try their best to create the surplus demand to fulfill their profits, and at the same time the people who take part in the CMS have the tendency to make the mutual profits by cooperating with the medicals through the trans-payments agreement, that comes the moral risk and the collusion of medicals and the patients. And the problems in the rural area are quite different from those arising in the towns and cities.

由于医疗保健市场的特殊性，医生将从自身利益最大化的角度出发，倾向于诱导过度需求；合作医疗的存在会导致医疗服务的消费者和供给者的道德风险和医患共谋，本文研究了道德风险和医患共谋产生的机理，指出消费者和医疗机构确实可以通过达成转移支付的子合同来获得联合剩余，并在此基础上研究了防范医患共谋产生的医疗保险合同应该具有的特性，还进一步指出农村合作医疗中的医患共谋问题的特点与城镇职工医疗保险中不同，前者主要是由于管理者缺位以及一些基本制度不完善造成的。

Of the Peoples Government of the Beijing Municipality on February 20, 2001, and ensuring the sound transition of the medical insurance system on the basis of not lowering the existing medical treatment of employees, we hereby formulate the Interim Measures for the Supplementary Medical Insurance of Enterprises in Beijing Municipality, and print and distribute them to you, please implement them earnestly.

为贯彻落实《北京市基本医疗保险规定》（2001年2月20日北京市人民政府第68号令），不降低职工现有的医疗待遇水平，保证医疗保险制度平稳过渡，我们制定了《北京市企业补充医疗保险暂行办法》，现印发给你们，请认真执行。

Based on the research of the medical security systems in seventeen typical countries, this dissertation concludes that all systems are composed of the following five models, namely social medical aid, social medical insurance, national health services, market-oriented medical insurance and individual saving medical security. These five models could be further divided into three types, i. e. public benefit type (including social medical aid model and national health services model), insurance type (including social medical insurance model and market oriented medical insurance model) and self-security type (individual saving medical security).

在对17个案例国家和地区医疗保障制度体系分析研究的基础上，本文归纳出了构成各国医疗保障制度体系的最基本的制度单元——五种制度模式，即社会医疗救助制度模式、社会医疗保险制度模式、国家卫生服务保障制度模式、市场医疗保险制度模式、个人储蓄医疗保障制度模式，并将这五种制度模式进一步归并为福利型(社会医疗救助制度模式和国家卫生服务保障制度模式)、保险型(社会医疗保险制度模式和市场医疗保险制度模式)、自保型(个人储蓄医疗保障制度模式)三种体制类型。

Chongqing Municipal Government has introduced policies about migrant workers participating in health insurance, and in October 2007, launched a urban and rural residents cooperative medical insurance, from October 1 a comprehensive medical insurance of migrant workers launched, It can be said that the entire medical insurance from start to now has been a progressive development and progress in the direction of universal health insurance.

重庆市政府不断推出农民工参加医疗保险的相关政策，并在2007年10月份开展了城乡居民合作医疗保险的试点工作，从10月1日起农民工医疗保险全面启动，整个医疗保险从启动到现在可以说是在往全民医保的方向逐渐发展和进步。

I didn't watch TV last night, because it .

昨晚我没有看电视，因为电视机坏了。

Since this year, in a lot of villages of Beijing, TV of elevator liquid crystal was removed.

今年以来，在北京的很多小区里，电梯液晶电视被撤了下来。