The Practical Dilemma and Improvement Suggestions of Individual Account of Medical Insurance for Urban Employees

DOI

10.2991/assehr.k.210206.035How to use a DOI?

Keywords

Medical insurance for urban employees, individual account, realistic dilemma, suggestions for improvement

Abstract

Through the introduction of personal accounts, the medical insurance system for urban employees in China has constructed a medical insurance system in which employees and enterprises pay together. This system is in line with the national conditions at that time, breaking the state that medical expenses were taken over by the state in the past. However, with the gradual advancement of health care, the problems related to personal accounts also need to be rectified. This paper puts forward the practical dilemma of low operation efficiency, insufficient security function and polarization of balance level of personal account of medical insurance for urban employees. By using the method of policy analysis, this paper puts forward some suggestions from three aspects: family sharing, broadening the field of payment and establishing outpatient fee coordination, so as to promote the development and progress of medical insurance system for urban employees in China.

Copyright

© 2021, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Yanlei Cui
PY  - 2021
DA  - 2021/02/06
TI  - The Practical Dilemma and Improvement Suggestions of Individual Account of Medical Insurance for Urban Employees
BT  - Proceedings of the 2020 International Conference on Modern Education Management, Innovation and Entrepreneurship and Social Science (MEMIESS 2020)
PB  - Atlantis Press
SP  - 170
EP  - 174
SN  - 2352-5398
UR  - https://doi.org/10.2991/assehr.k.210206.035
DO  - 10.2991/assehr.k.210206.035
ID  - Cui2021
ER  -