The Balance Of Medical Insurance Fund Is 700 Billion.

< p > < < a href= > http://www.91se91.com/ > > Lei Haichao, deputy director of the Health Bureau < /a > recently, at the Sixteenth Annual Meeting of the Chinese society of health economics, said that by the end of 2012, the national urban basic medical insurance accumulated a balance of 764 billion 400 million yuan in the end of 2012.

Since 1999, except for 2010, the surplus rate of urban basic medical insurance fund is over 20%, of which the highest rate of surplus in 2001 is 35%.

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< p > in fact, the basic medical insurance (including basic medical insurance for urban employees and medical insurance for urban residents) managed by the Ministry of human resources and social affairs has always been a strange situation of "spending money not to go out", and there are a lot of balances every year.

Statistics show that the total income of the urban basic medical insurance fund in 2012 was 693 billion 900 million yuan, and the expenditure was 554 billion 400 million yuan. At the end of the year, the urban basic medical co ordination fund accumulated a total of 494 billion 700 million yuan, and the personal account accumulated 269 billion 700 million yuan.

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< p > it is also seen from the single data of basic medical insurance for urban employees and medical insurance for urban residents.

In 2011, the national employees' basic medical insurance fund earned 494 billion 500 million yuan and spent 401 billion 800 million yuan. At the end of the year, the fund accumulated a balance of 568 billion 300 million yuan. The national basic medical insurance fund for urban residents earned 59 billion 400 million yuan and spent 41 billion 300 million yuan. At the end of the year, the accumulated balance also reached 49 billion 700 million yuan.

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< p > some experts pointed out that < a href= "http://www.91se91.com/ > > medical insurance fund < /a > the principle of use should be the balance of payments in that year, and there should be no excess balance.

If the balance is relatively high, it can not only maximize efficiency, but also be easy to be misappropriated and breed risks.

But from the actual situation, the fund's balance ratio is far higher than that of developed countries under 10%.

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< p > on the one hand, the insured complain about the low reimbursement rate. On the other hand, there are a large number of medical insurance funds in a state of "deep sleep". Strengthening the balance management of medical insurance fund is imminent.

"Medical insurance fund surplus rate is so high is not normal, funds are not used to solve the problem of seeing a doctor hard, expensive."

Lei Haichao said that the medical security system needs to change the concept, reduce the balance, increase the reimbursement ratio, gradually improve the level of basic medical insurance protection, reduce the personal burden of the insured personnel; in addition, it should raise the overall management level of the fund and enlarge the risk pool.

Whether the level and scope of medical insurance should be further improved? Is there any possibility of further improvement in the level of financial subsidies and personal payment? Fu Wei, deputy director of the Department of system reform of the national health and Family Planning Commission, and the head of the policy group of the State Council Medical Reform Office, told reporters in an economic reference daily that since the deepening of health care reform, the construction of the basic medical insurance system has been accelerated, and the level of medical insurance has been steadily improving. The subsidy standards for medical insurance and NCMS of all levels of government have increased from 80 yuan per person in 2008 to 280 yuan in 2013.

By 2015, the standard of government subsidy for urban residents' medical insurance and NCMS will be raised to more than 360 yuan per person per year. With the increase of financial subsidies, the payment level of insured personnel will also increase correspondingly.

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< p > Fu Wei said that the protection level of basic medical insurance will be further improved with the raising of funding level of < a href= "http://www.91se91.com/" > medical insurance < /a > in the future.

By 2015, the proportion of hospitalization reimbursement within the policy of medical insurance and NCMS will reach about 75%. Outpatient co ordination will also cover all areas, and the corresponding proportion of payment will be increased to more than 50%.

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