浅谈我国大学生医疗保险制度的完善.docxVIP

近几年，大学生医疗纠纷的事件越来越多，往往医疗问题的发生是因为大学生没有及时入保导致自己需要承担巨额医疗费用，而且在我国大学生医疗保险制度中存在严重的不公平性，这就导致医疗保险没有有效的保障高校学生的医疗需要。目前来说，我国大学生医疗保险在实施过程中还存在许多问题。比如，公费医疗保险覆盖面偏低，大学生对医疗保险的认知力度不够，国家对相关医疗费用投入不足等，所以必须要完善大学生医疗保险制度，提高大学生的医疗保障水平。 本文首先阐明了大学生医疗保险制度的现实意义，其次，通过分析我国大学生医疗保险的现状，指出了其面临的主要问题，其中最严重的两个问题就是各高校之间医疗保险的不平等和政府部门没有发挥相应的督导作用。因此本文提出针对解决高校医疗不平等和政府部门督导的相关建议，同时对于我国当前公费医疗保险机制不完善以及如何增强大学生医疗保险意识提出了相应的解决办法，这对于我国整体居民医疗保险制度的发展有现实意义。 关键词：医疗保障 高校医疗 保险理赔 医疗体制 Abstract In recent years, the occurrence of medical dispute of college students isincreasing and often medical problems is because students do not timely coveragelead to myself to bear the huge medical expenses, serious unfairness exists in themedical insurance system for college students and, leading to the medical needs ofmedical insurance, there is no effective guarantee for College students. At present,there are still many problems in the implementation of medical insurance in ourcountry. For example, publicly funded health insurance coverage is low, the cognitiondegree of college students of medical insurance is not enough, countries on medicalexpenses such as inadequate investment, so must to improve the system of medicalinsurance for college students, and improve the medical security level of collegestudents. At first, the thesis clarifies the practical significance of the system of medicalinsurance for college students. Secondly, through the analysis of the status quo ofcollege students medical insurance of our country. It is pointed out that the mainproblems facing the, two of the most serious questions is between the medicalinsurance of inequality and government departments did not play a correspondingsupervisory role. Therefore, this paper proposes to solve the inequality of health careand government supervision of the relevant recommendations, also for Chinas currentmedical insurance mechanism is not perfect and the corresponding solutions are putforward to increase the awareness of medical insurance for