论文部分内容阅读
(一)建立“统帐”结合的原则要求 从医改的实际出发,设计统帐结合方式时,应注重以下5项要求: 1.“小病”医疗费用由个人帐户支付,“大病”病疗费用由统筹基金支付; 2.个人帐户结余可以用于支付“大病”医疗费用; 3.统筹基金与个人帐户要分开,不能透支个人帐户; 4.在用人单位缴费率为6％左右的前提下,建立统筹基金和个人帐户; 5.个人帐户和统筹基金记息要分开。个人帐户的利息记入个人帐户,统筹基金的利息记入统筹。
(1) Establishing the principle of combining “regulations” requires that, starting from the actual conditions of medical reforms, the following five requirements should be paid attention to when designing an integrated approach to account integration: 1. Medical expenses for “little illnesses” are paid by individual accounts. The expenses are paid by the co-ordinating fund; 2. The balance of the personal account can be used to pay for “catastrophic” medical expenses; 3. The overall fund should be separated from the personal account, and the individual account cannot be overdrawn; 4. If the payment rate of the employer is about 6% Establish unified funds and individual accounts; 5. Individual accounts and unified funds should be separated. The interest on personal accounts is credited to individual accounts, and the interest of an overall fund is credited to the overall plan.