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摘要我国农业人口占全国总人口的63.91%，因此做好农村医疗保险是保障中国经济稳定持续增长的必然要求。但其中存在的起点高，报销，报销比例低等一系列问题使得农民的医疗经济负担依然沉重因此本人对新型农村合作医疗保险做研究，理解掌握新农合的报销范围和每年须缴纳费用具体的城市为分析目标.考虑到不同地区的医疗水平和物价水平，翻阅其他省份的农村医疗保险调查报告和相关文献。简练出报销比例、报销范围、和执行等方面问题。末了，建议未来的新农村合作医疗应吸取城镇居民医疗保险制度的优点，提高医疗费用赔付的比例和扩大可保范围；商业保险补充新型农村医疗保险的空白部分相互补充。同时报销机制也要做出调整：调整住院报销机制；开展门诊统筹试点；完善异地就医报销机制；合理定位乡镇卫生院角色。45642
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毕业论文关键词：新农合； 事后报销机制； 弊端
Abstract
China's agricultural populationasians make up approximately 63.91% of the total population, good health insurance in rural areas is a key part of our guarantee steady economic growth, but there is reimbursement starting point, and low reimbursement, healthcare remains a heavy burden on farmers. So I am doing research on the new rural cooperative medical insurance, understand and grasp the scope of the new rural cooperative medical service and must pay an annual fee for the analysis of specific target cities. Taking into account the medical standards and price levels in different regions, rural medical insurance investigator read other provinces reports and related documents. Concise aspects of reimbursement, reimbursement, and execution. Finally, summed up the future should tend to make the new rural medical insurance for urban residents and medical insurance system combined together to raise compensation for farmers' medical expenses; commercial insurance participation in the new rural medical insurance model, expand insurance coverage and increased costs can be subsidized. Meanwhile reimbursement mechanisms have to make adjustments: Adjust the hospital reimbursement mechanism; conduct patient co-ordinate the pilot; perfect for remote medical reimbursement mechanism; the role of township hospitals reasonable position.
Key words：New rural cooperative medical insurance；Reimbursement mechanism；Drawback
目录
摘 要 Ⅰ
Abstract Ⅱ
一、引言 1
二、新型农村合作医疗保险1
㈠新型农村合作医疗保险的概念1
㈡新型农村合作医疗保险的发展现状2
㈢新型农村合作医疗保险的报销机制3
三、新型农村合作医疗保险报销机制中现存的问题3
㈠乡镇卫生院利用率较低，报销比例却相对较高3
㈡专业化程度和管理水平较低4
㈢医疗资源地区分布不均，报销费用比例按行政区域划分5
㈣异地报销难，报销计算方法复杂5
㈤医疗费用先由患者先行垫付，后期报销6
四、新型农村合作医疗保险报销机制问题的解决对策6
㈠调整住院报销模式6
㈡开展门诊统筹试点6
㈢完善异地就医报销制度7
㈣合理定位乡镇卫生院角色7
五、总结8
参考文献10
致 谢11
浅析新型农村合作医疗保险报销机制及其弊端
一、引言
新型农村合作医疗保险是农村工作的重中之重，有助于提高农村社会保障水平，同时把农业引向更快速高效发展的局面。完善新型农村合作医疗制度，象征着着政府对人权工作日益重视，它代表着占我国总人口大多数的农民的健康权也有了保障; 农村新型医疗保险制度的建立，保障了农民群众的根本利益，是完善社会主义市场经济体制的必要条件，是促进农村劳动力的合理流动，更拉动了社会主义市场经济的持续稳定增长，可持续发展。