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一、对现行医疗保险制度的剖析 (一)医疗费用的增长超越国民生产总值的增长,国家负担越来越重。 我国现行的医疗制度是五十年代初期建立和实施的,总体上分两大部分,即行政事业单位的公费医疗体制和国有企业的劳保医疗体制。这种医疗制度的弊端是医疗费用由国家和企业大包大揽,完全实行免费医疗,缺乏内在的利益约束机制和外部监督机制,形成了“个人看病,国家掏钱”的“大锅药”局面。自1989年至1992年四年间国民生产总值(按不变价格)每年平均增
First, the analysis of the current medical insurance system (A) the growth of medical costs beyond the growth of gross national product, the national burden more and more heavy. The current medical system in our country was established and implemented in the early 1950s. It is divided into two parts as a whole, namely public health care system of public institutions and labor insurance system of state-owned enterprises. The drawbacks of this medical system are that the medical expenses are big packages by the state and enterprises, full implementation of free medical treatment, lack of intrinsic restraint mechanism and external supervision mechanism and formation of a “big pot medicine” of “personal medical treatment and national payment” situation. Gross domestic product (at constant prices) increased annually on average from 1989 to 1992