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新型合作医疗的实施对于提高农民健康水平、缓解农民因病致贫、因病返贫、统筹城乡发展、实现全面建设小康社会与和谐社会目标具有重要作用。新型农村合作医疗自身的特点给保险业的积极参与提供了条件。保险业应结合自身优势,克服不利因素,积极参与新型农村合作医疗建设。建议政府和监管机构给予明确的政策法规支持;深化医疗体制改革,改善医疗服务环境;保险公司应提升自身业务管理能力,与医疗机构通力合作,加强风险管控等,以更好地发挥保险业在和谐社会建设过程中的重要作用。
The implementation of the new cooperative medical system plays an important role in raising the farmers’ health level, alleviating the poverty of peasants, returning to poverty due to illness, coordinating the development of urban and rural areas and realizing the goal of building a moderately prosperous society and a harmonious society in an all-round way. The characteristics of the new rural cooperative medical system provide the conditions for the active participation of the insurance industry. Insurance should, in light of its own advantages, overcome unfavorable factors and actively participate in the construction of new-type rural cooperative medical care. It is recommended that the government and regulatory agencies should give clear policies and regulations to support them. Deepen the reform of the medical system and improve the medical service environment. Insurance companies should enhance their business management capabilities, work together with medical institutions and strengthen risk control so as to give better play to the insurance industry The Important Role of the Construction of Harmonious Society.