学士论文企业职工医疗制度的问题与对策探讨解说.doc

西南大学网络与继续教育学院 毕 业 论 文（设计） 题目：企业职工医疗制度的问题与对策探讨  我国企业职工医疗制度 要 企业职工基本医疗保险是我国医疗保险的组成，是为补偿劳动者因疾病风险遭受经济损失而建立一项社会保险制度。用人单位和个人缴费，建立医疗保险基金，参保人员患病就诊发生医疗费用后，与医疗保险经办机构给与经济补偿，以避免或减轻劳动者因患病、治疗等所承受的经济风险。本文企业职工医疗制度企业职工医疗制度我国企业职工医疗制度改革的推进和深化,改革实践取得了一进展和成果,但不可否认仍然存在很多问题亟待解决。从企业的职工医疗保险制度改革的现状入手,分析现有制度存在的问题,针对问题提出对策建议,希望下一步的工作提供有益的思路Abstract Enterprise employees basic medical insurance is an important part of health insurance is a social insurance system in order to compensate workers suffering economic losses due to the risk of disease in order to create. Their pay in the form of employer and individual contributions, and the establishment of the medical insurance fund, so that after the occurrence of the insured medical expenses for treatment of illness, and health insurance agencies to give the corresponding economic compensation to avoid or mitigate the suffering of workers because disease, treatment etc. to withstand the economic risks. Due to the special nature of health insurance, medical insurance are facing moral hazard and adverse selection is much higher than other forms of insurance. Therefore, the question of the health care system for enterprise employees and countermeasures have some value. This subject briefly describes the current situation and the historical process of Chinas medical insurance system of Chinas medical insurance system. With the continuous advance and deepen the reform of the basic medical insurance system for enterprise employees of reform practice has made some progress and achievements, but it is undeniable our system of medical insurance system for enterprise employees are still many problems to be solved. This requires us to constantly improve, to adapt to Chinas national conditions to develop medical insurance system for enterprise employees system. To further expand the achievements of reform and opening to contribute. This topic through read a lot of literature data, and analysis of the relevant information from the status of employee medi