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目前,我国正在建立的城镇职工基本医疗保险制度标志着一个由国家、单位和个人共同承担责任的初级医疗保险模式正在形成。这种建立在“低水平、广覆盖”原则下的医疗保险制度是我国现阶段社会经济发展水平的产物。其中,对于退休职工个人账户的计入金额、个人负担医疗费的比例以及个人基本医疗保险费交纳金额等方面给予了一些特殊的照顾。但是,它的基本保险属性决定了在满足退休老年人群--这一健康弱势群体的医疗保健需求方面所能发挥作用的局限性。
At present, the basic medical insurance system for urban workers in our country is being established, which marks the formation of a primary medical insurance model that is jointly shouldered by the state, the units and individuals. This kind of medical insurance system based on the principle of “low level and broad coverage” is a product of the current level of social and economic development in our country. Among them, some special attention has been given to the reimbursement of the personal accounts of retired employees, the proportion of individual-burden medical expenses, and the payment of personal basic medical insurance premiums. However, its basic insurance attributes determine the limitations of meeting the healthcare needs of the retired elderly population, a health-under-privileged group.