论文部分内容阅读
建立社会统筹医疗基金与个人帐户相结合的医疗保险制度是我国“九五”期间医疗保障制度改革的目标。新保险制度能否有效地控制医疗费用过快上涨的关键之一就是能否管好个人帐户。以银行发行的智能IC卡作为个人帐户载体,在定点医院、银行和医疗保险管理部门之间实行微机联网,参保职工持卡就医,银行业务处理系统参与个人帐户资金的结算,能有效地加强对个人帐户资金使用情况的监督控制,同时具有方便职工就医、提高医疗保险部门办事效率等优点。目前由湖北医科大学管理系、武汉市青山区公费医疗管理办公室等单位共同开发的个人帐户IC卡管理系统已在武汉市青山区投入使用,效果令人满意。
The establishment of a medical insurance system combining the social pooling of medical funds and personal accounts is the goal of the reform of the medical security system during the Ninth Five-year Plan of our country. One of the keys to the new insurance system in effectively controlling the rapid rise in medical costs is to manage personal accounts. With smart IC cards issued by banks as the carrier of personal accounts, micro-networking has been carried out between designated hospitals, banks and medical insurance administration departments to insure employee card holders for medical treatment and to participate in the settlement of the funds of personal accounts by the banking business processing system, which can be effectively strengthened Supervise and control the use of funds in individual accounts, meanwhile, it has the advantages of facilitating medical treatment for employees and improving the efficiency of medical insurance departments. At present, the personal account IC card management system developed jointly by the Department of Management of Hubei Medical University and the Qingshan District Public Health Medical Management Office of Wuhan City has been put into operation in Qingshan District, Wuhan with satisfactory results.