基本医疗保险精准扶贫的现状分析.docxVIP

PAGE18

摘要

自精准扶贫战略实施以来，我国农村贫困人口持续减少，人民生活水平不断提高。但由于农村地区医疗卫生条件较差，当贫困家庭成员患有重大疾病而需要支付高额医疗费用时，就会给家庭经济带来巨大冲击，这不仅加大了贫困人口脱贫难度，也加剧了因病致贫返贫现象的发生。本文以基本医疗保险为切入点，阐述基本医疗保险在精准扶贫中的功能作用，厘清医疗保险减贫机理。对于贫困人口而言，参加基本医疗保险可以较大程度减轻其医疗费用负担，助推脱贫。然后以四川省为例，分析基本医疗保险在精准扶贫中的实施情况及其减贫效果，揭示存在的不足并进行原因分析。最后提出相应的解决对策，建议不断探索和完善基本医疗保险精准扶贫政策和实施方法，着重解决贫困人口看病难、看病贵问题，消除因病致贫现象。

关键词：精准扶贫；健康扶贫；基本医疗保险

Abstract

Sincetheimplementationoftheprecisionpovertyalleviationstrategy,theruralpoorpopulationinChinahasbeencontinuouslyreduced,andthelivingstandardsofthepeoplehavebeencontinuouslyimproved.However,becauseofthepoormedicalandhealthconditionsinruralareas,whenthemembersofpoorfamiliessufferfrommajordiseasesandneedtopayhighmedicalexpenses,itwillbringahugeimpactonthefamilyeconomy,whichnotonlyincreasesthedifficultyofpovertyalleviationforthepoorpopulation,butalsoincreasestheoccurrenceofpovertyreturnduetoillness.Thisarticletakesthebasicmedicalinsuranceasthebreakthroughpoint,expoundsthefunctionfunctionofthebasicmedicalinsuranceintheprecisionpovertyalleviation,clarifiesthemedicalinsurancepovertyreductionmechanism.Forthepoor,participationinbasicmedicalinsurancecangreatlyreducetheburdenoftheirmedicalexpensesandhelpliftthemoutofpoverty.ThentakeSichuanProvinceasanexample,analyzetheimplementationofbasicmedicalinsuranceinprecisionpovertyalleviationanditspovertyreductioneffect,revealtheshortcomingsandanalyzethereasons.Finally,thecorrespondingcountermeasuresareputforward,andsuggestionsareputforwardtoexploreandperfectthepolicyandimplementationmethodofaccuratepovertyalleviationofbasicmedicalinsurance,focusingonsolvingtheproblemofdifficultandexpensivemedicaltreatmentforthepoor,andeliminatingthephenomenonofpovertycausedbyillness.

Keywords:AccuratePovertyAlleviation;HealthPovertyAlleviation;BasicMedica