我国大学生医疗保险现状分析及改革研究.pdfVIP

摘要 建立于 1953 年的大学生公费医疗制度，对于满足大学生健康保障需求和提高大学生 身体素质起到了举足轻重的作用。然而随着我国经济发展和卫生体制改革的深入，这种医 疗保险制度逐渐暴露出种种弊端，加重了家庭和各高校的负担，已经难以适应经济和社会 的发展。改革和建立完善的大学生医疗保险制度有着重要的现实意义和理论意义。 本文首先对国内外关于大学生医疗保险的改革及研究成果进行了综述，对我国大学生 医疗保险制度的现状和所存在的问题进行了初步的研究和归纳，在此基础上，对我国各大 高校的大学生医保模式进行了详细的比较分析，并选取北京大学学生医疗人寿保险，中山 大学珠海校区的高校学生医疗综合保障社会化模式为典型模式进行比较分析，其次，本文 通过对国外大学生医疗保险制度的深入分析，探讨国外经验带给我国的启示，最后得出本 文的结论：即构建新型的大学生医疗保险体系，完善相关配套措施，并提出了将管理式医 疗引入到大学生医疗保险中去。 关键词：大学生；医疗保险；公费医疗；商业医疗保险 I Abstract Undergraduate Public medical system, established in 1953, plays an essential role in meeting the health needs of undergraduates as well as improving their physiques. However, with the development of Chinas economy and the deepening of the medical system reform, such medical insurance system gradually exposed drawbacks, which brings a heavy burden on the university and family. Therefore, such system has had difficult to adapt to the economy and social development. Reforming and establishing the undergraduate medical insurance system perfect practical and theoretical significance. This paper firstly sums up the innovation and reform of medical security for college students in China and in foreign countries. Also this paper studies and concludes the current situation and problems of medical insurance in China. At the basis of this, this paper studies the difference among the different medical insurance model in different schools, and chooses some school’s insurance model, such as Peking University student