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目前我国分别针对农民、城镇职工、非职工市民以及城乡贫困群体建立了“三险一助”的基本医疗保险体系,这对于实现我国居民“病有所医”的目标具有重要意义。但由于基本医疗保险制度分割造成的不统一带来了一些管理和实施方面的问题,存在一个人同时参加两种或者两种以上的基本医疗保险即重复参保行为。重复参保无论是出于有意或无意,它都对于我们当前的基本医疗保险制度的健全和发展提出了巨大的挑战。本文通过分析问题发生的原因,探究参保人行为的利弊,进而找到解决城乡居民重复参保问题的措施。
At present, China has set up a basic medical insurance system of “three risks and one help” targeting peasants, urban workers, non-employee citizens and urban and rural poor, respectively, which is of great significance to the realization of the goal of residents in our country. However, due to the disunity caused by the fragmentation of the basic medical insurance system, there are some management and implementation problems. One person attending two or more kinds of basic medical insurance at the same time is the repeated insurance. Repeated insured, whether intentional or not, presents a huge challenge to the integrity and development of our current basic medical insurance system. This article analyzes the pros and cons of the insured behavior by analyzing the causes of the problem, and then find the solution to the repeated insured problems of urban and rural residents.