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农村合作医疗是我国农村卫生事业发展的一个方向,要使这一制度能够在我国广大农村普遍建立起来,就要充分调动农民的参合积极性。家庭户主账户制是基于清晰产权基础之上的农村合作医疗筹资机制,即给每个农民家庭在合作医疗基金中建立一个账户,其自己缴费和其他来源资金都存入这一账户,在家庭成员生病时首先从本家庭账户中支付,医疗费用与本账户差额部分可以通过向其他的有一定余额的合作医疗基金账户借贷的方式予以支付。
Rural cooperative medical care is one of the directions for the development of rural health in China. To make this system universally established in rural areas in China, it is necessary to fully mobilize the enthusiasm of farmers for participation. The family-headed household account system is based on the clearing of the rural cooperative medical care fundraising mechanism on the basis of clear property rights. That is, each peasant family establishes an account in the cooperative medical fund, and its own payment and other sources of funds are deposited into this account, and the family members When you are sick, you will first be paid from your family account. The difference between the medical expenses and the balance of your account can be paid by lending to other cooperative medical fund accounts with a certain balance.