Investigation report on new rural cooperative medical insurance

Investigation report on new rural cooperative medical insurance (3 selected articles)

With the continuous improvement of personal civilization, the number of reports used is increasing, so we should avoid too long when writing reports. I believe many people will find it difficult to write the report. The following is a survey report on the new rural cooperative medical insurance (selected 3 articles) compiled by me for reference only. Let's take a look.

research report on the new rural cooperative medical insurance 1

during the winter vacation, I looked up a lot of information about the new rural cooperative medical insurance on the internet. Knowing some achievements of China's farmers' security system in recent years, I decided to use the winter vacation to make a simple investigation on the current situation of rural cooperative medical care in China. I made a simple questionnaire about the new rural cooperative medical system, consulted the knowledge about the new rural cooperative medical system, and analyzed the farmers' main views on medical security. The general understanding is as follows:

1. About the new rural cooperative medical system

The new rural cooperative medical system, referred to as the "new rural cooperative medical system", refers to the farmers' medical mutual aid system, which is organized, guided and supported by the government, voluntary participation by farmers, and multi-party financing by individuals, collectives and the government. Take individual contributions, collective support and government funding to raise funds.

the new rural cooperative medical system is a medical security system created by Chinese farmers themselves, which has played an important role in ensuring farmers' access to basic health services, alleviating poverty caused by illness and returning to poverty due to illness. It provides a model for the common problems in the world, especially in developing countries, which is not only welcomed by farmers at home, but also praised internationally. The new rural cooperative medical system has been piloted in some counties (cities) in China since XX, and it is expected to gradually cover rural residents in the whole country by XX. According to the spirit of the implementation opinions of the Central Committee, the State Council and the provincial government on the establishment of a new rural cooperative medical system, the overall work of farmers' serious illness was renamed as the new rural cooperative medical system, and the new rural cooperative medical system implemented a financing mechanism combining individual contributions, collective support and government funding, and the financing standard could not be lower than that of 3 yuan/person, including county financial subsidies for 1 yuan, township financial subsidies for 5 yuan and farmers' financing for 15 yuan. To sum up, the fund-raising is improved, the government subsidies are more, and farmers benefit greatly, which has established a guarantee for farmers suffering from serious illness, and the highest payment has reached 2 yuan.

Second, the significance of building the new rural cooperative medical system

After more than 2 years of reform and opening up, great changes have taken place in the rural areas of China, and the economy has developed by leaps and bounds. However, the economic development has not brought too many benefits to farmers on the issue of medical treatment. China's population accounts for 22% of the world's total, but medical and health resources only account for 2% of the world's total. Of the only 2% medical resources, 8% are concentrated in cities. From 1998 to XX, the per capita income of farmers increased by 2.48% annually, but the medical and health expenditure increased by 11.48% annually, and the growth of the latter was nearly five times that of the former. According to relevant media reports, up to now, half of the farmers in rural areas of China have looked down on illness for economic reasons. In economically developed areas like Guangdong, 4.8% of the people are sick and have not seen a doctor, and 23.35% of the people should be hospitalized instead of being hospitalized. In addition, the coverage of social security in China is still very narrow, which is not enough to solve the "worries" of farmers. In the vast rural areas, the social security system is basically in a "blank zone". Diseases, like a sword hanging over the heads of peasant brothers, "it is difficult and expensive to see a doctor" is a common phenomenon in rural areas of China. During the "xx" period, China's economic and social transformation will be further intensified. To make this transformation smoothly, the whole society needs to build a strict and reliable safety net. Therefore, the medical and health problems of farmers have gone far beyond the problem itself. It is not only a matter of respecting farmers' minimum right to subsistence, but also an inevitable requirement for building a fair and just harmonious society. How to solve farmers' difficulty in seeing a doctor? Looking back at history, we have solved this problem, and it was under very difficult conditions. In 1993, the World Bank's annual development report "Investment and Health" pointed out: "Until recently, (China) has been an important exception for low-income countries ... By the end of the 197s, medical insurance covered almost all urban population and 85% rural population, which was an unparalleled achievement for low-income developing countries." In the early 198s, the rural population still accounted for 8% of the national population, but the average life expectancy in China increased from 36 years in the early days of the founding of New China to 68 years. Experts admit that this kind of health performance is based on the "three magic weapons" of "putting the focus of medical and health work in rural areas", supplemented by the three-level public health and medical service network in counties and villages, the "barefoot doctors" team born and bred in every rural community and the cooperative medical system. Therefore, it is necessary to strengthen rural health work and develop rural cooperative medical care.

III. Historical Disadvantages

Due to the constraints of economic conditions, it is common in rural areas that "only minor illness, serious illness, and serious illness are carried to the hospital". At present, the phenomenon of being trapped and returning to poverty due to illness is serious, and the number of people who need to be hospitalized in rural areas has reached 41%; There are 3-5 million poverty-stricken people in the west due to illness. 7% of the poor households in rural areas are caused by illness. Since 1985, although the income of rural residents has been increasing, the growth rate is obviously smaller than that of urban residents. Excluding the price factor, the income of rural residents increased by 3.1% annually in real terms from 1985 to 1993, while the income of urban residents increased by 4.5% annually in real terms and the annual growth rate of GDP was 9%. After 1988, the real income growth of rural residents was basically at a standstill. From 199 to 1993, the average annual real income growth of rural residents was only 1.4%. But at the same time, farmers' medical expenses have risen sharply. Taking Anhui Province as an example, in the first three quarters of XX years, the per capita medical expenditure in rural areas was 42.82 yuan, up by 13.6% compared with 37.69 yuan in the same period of last year. Among them, the per capita expenditure on medical and health care in 19 yuan is close to the annual per capita expenditure of 2.2 yuan last year. In 199, the per capita annual expenditure on pressure therapy was 14.41 yuan, the highest in 1998 was 52.11 yuan, and it was 51.65 yuan in 1999, which increased by 2.52 times in XX years, while the net income of farmers increased by only 2.52 times in XX years. And in the national security system, farmers are excluded from the security system. Rural social security has always been on the edge of China's social security system, and a considerable part of the content of social security excludes the entire rural population from the security system. The level of rural economic development in China is still very low, and most rural residents have low income levels and weak affordability. Compared with the progress of urban social insurance reform, rural social insurance is only limited to the pilot stage in some rich areas, and family security is still the main body of rural social security. Taking medical insurance as an example, the current medical insurance reform in China is different from that in developed countries. The biggest reason is that it is not universal medical insurance, but only the medical insurance reform for urban workers. At present, it is to solve the problem of excessive burden of public medical care and ensure basic medical services. Although the rural cooperative medical system has been widely practiced in rural areas, it has gone through many twists and turns and eventually disintegrated for various reasons.

Fourth, some problems in implementation

1. Low social satisfaction

The most basic and important point in social insurance is that it emphasizes not the equality of individual costs and benefits, but the social satisfaction of insurance benefits. As a kind of social insurance, the satisfaction of the farmers who benefit from the new rural cooperative medical system and the taxpayers who receive government subsidies plays an important role in its success. The survey found that some farmers did not participate in the new rural cooperative medical system mainly because of the low level of protection of the new rural cooperative medical system, farmers' lack of understanding, fear of policy changes, and thought that they were taking their insurance money to compensate others. However, the dissatisfaction of farmers participating in the new rural cooperative medical system is mainly due to the low level of security and complicated procedures for participation and claims. In addition, unfair policies lead to low social satisfaction of the new rural cooperative medical system.

2. The level of security is low

The new rural cooperative medical system is a farmer's medical mutual aid and economic aid system based on overall consideration of serious diseases and claims for minor diseases. This definition shows that the new rural cooperative medical system is to help farmers' medical expenses for diseases, but outpatient service, falls and injuries are not covered by this insurance. This provision makes farmers' actual benefits not as great as expected.

3. The propaganda of the new rural cooperative medical system is not in place

Most of the existing propaganda focuses on introducing the superficial benefits brought by the new rural cooperative medical system to farmers, without establishing farmers' risk awareness and reflecting the key points, and without investigating those farmers who do not participate, which makes the propaganda mostly stay in form. Many farmers don't really understand the significance of the new rural cooperative medical system. They only consider their short-term gains and losses. Because of their good health and low probability of being hospitalized, there is no need to spend that money. There are also some farmers who think that it is the same as the previous compulsory education deposit, and it was finally cheated by the government, thinking that their insurance money was used to compensate others. The propaganda did not send specific compensation standards to farmers, which made them feel cheated when they saw that so many drugs could not be paid.

4. The registration and claim settlement procedures of the new rural cooperative medical system are too complicated

First of all, the registration procedures for participating in the new rural cooperative medical system are complicated. Secondly, the claims procedure of rural cooperative medical care is also very complicated. Urban residents' medical insurance can be used to mortgage a part of medical expenses, which can be paid directly on the card and settled afterwards. Foreign medical insurance makes hospitals, doctors and insurance companies have a direct interest relationship rather than patients. However, some new rural cooperative medical care requires farmers to pay in advance, so that if some farmers still can't afford to borrow money, they will go to the cooperative medical care reimbursement center to declare and finally go to the credit union to get money. Some villages are far away from reimbursement centers and credit cooperatives, and the round-trip fares are relatively expensive. The cumbersome registration and claim settlement procedures have increased many troubles for farmers not to graduate and reduced their satisfaction.

These are some practical problems that I have learned from my work and investigation after reading a lot of relevant materials. Some views on the nationwide medical security system. While working in this summer practice, I was deeply moved by China's emphasis on agriculture, countryside and farmers. In recent years, the state has gradually exempted agricultural taxes, tuition fees, and a series of policies to benefit the people, such as the new rural cooperative medical system. Listen to the nurse in the clinic and say that many kinds of vaccines are also given to children for free now. By the way, I found a drawback in my work: the paper sheets that the doctor brought me to enter into the computer are all very complicated. I don't think it's necessary to waste a lot of paper to open a quadruplicate bill now that it has been entered into the computer for preservation. A certificate of deposit will do. Doctors are also very troublesome about this. After all, while benefiting the people, we should also pay attention to environmental protection. Investigation report on new rural cooperative medical insurance 2

1. Investigation time: July 2, 2xx-August 25, 2xx

2. Investigators: xxx, xx

3. Basic information of Liangcheng Village:

1. Village status: Liangcheng Village has 9 teams with a total area of 3,2 mu and total cultivated land.

3. Economic situation: The economic development level of this village is in the upper-middle level of its office, all of which are agricultural areas.

4. There are ***4 cadres in the village, whose annual personal salary is 8, to 1, yuan. There is a clinic, a library and a fixed office in the village.

iv. research background and research content

I also come from a poor family in rural areas, so I once had a deep understanding of the problem of "difficulty in seeing a doctor" for farmers. Therefore, when I became a college student, I became more concerned about this problem and included it in my research topic.

At present, expensive medical treatment is listed as one of the three major problems of people's livelihood in China. Because most farmers can't afford to pay high medical expenses, they often stay sick, delay minor illnesses and wait for death due to serious illnesses. At the same time, because of their lack of health care knowledge and self-care awareness, they are more likely to be troubled by diseases, resulting in poverty and returning to poverty due to illness, and fall into a vicious circle. The lack of medical security has become a serious obstacle to rural economic and social development. Under this background, the new rural cooperative medical system was born in October 22.

The new rural cooperative medical system is a medical mutual aid and economic system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily, and financed by individuals, collectives and the government. Since it was launched in 23, there have been many pilot projects in China, and the cooperative medical system is gradually developing and improving. The content of my research is centered on cooperative medical care. By understanding the implementation of agricultural medical care and the villagers' satisfaction with cooperative medical care, I hope to further find out the problems and put forward some suggestions.

As a measure proposed by the state to benefit the people, the implementation of the new rural cooperative medical system has indeed brought some benefits to farmers, but there have also been many problems in the middle. Therefore, I used my spare time to investigate the cooperative medical care in my village. Through this research activity, I have a certain understanding of the cooperative medical care in my village and made a preliminary summary of the advantages and disadvantages in the implementation, so as to make a general statistics on the overall situation!

V. Specific Work

During the investigation, I learned about the cooperative medical care in the form of interviews, and then made a detailed understanding in the form of home interviews, and summarized the detailed information about cooperative medical care in our village. There is a designated cooperative medical clinic in our village. In the central part of the village, most of the villagers see a doctor in the village clinic. Doctors in village medical clinics have medical licenses, and farmers are guaranteed to see a doctor in village health clinics. When we talked with the doctor, we learned: "All the insurance money paid by farmers belongs to farmers, and after the insurance money paid is used up, everyone else can enjoy 2 reimbursement." Inpatients in town hospitals can enjoy 8% reimbursement, and inpatients in municipal hospitals can enjoy 5% reimbursement. People who are hospitalized in provincial hospitals can enjoy 4% reimbursement.

We learned that farmers are very satisfied with the new cooperative medical system when talking with them. They said: "It is convenient and cheap to see a doctor now, and the rural doctors have a good service attitude. The villagers are relieved to see a doctor, and now they are not worried about serious illness, and the state can reimburse them." The above is what they mentioned when we talked and made a questionnaire, and the reason is for everyone to think about it!

The proportion has increased from 9% in 27 to 95% in 28. The publicity of cooperative medical care in our village has been increasing year by year, and the publicity methods have been increasing! At the same time, due to some beneficiary families in 27, they unconsciously played a propaganda role, and the support of the state is the solid backing for the continuous expansion of this system.