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农村合作医疗的参加对象历来以农户家庭为单位,不接受村民以个人身份的加入。其道理十分明显,即至少在有病和健康的家庭成员之间实行医疗费用的统筹,这实际上与初保强调的互助原则是相契合的。基金多由村民委负责筹集,以行政村为基本医疗费用的核算单位;近几年来,为了解决因病致贫的问题,从基金中单独划出一块,由全镇统筹使用,用作大病风险的补偿。
Rural cooperative medical care has traditionally been targeted at farmers’ households and does not accept villagers to join as individuals. The reason is very obvious, that is, the co-ordination of medical expenses between family members who are sick and healthy at least, which is actually in line with the principle of mutual assistance emphasized by the initial insurance. Funds are mostly raised by villagers committees, and administrative villages are used as the accounting units for basic medical expenses. In recent years, in order to solve the problem of poverty caused by illnesses, a separate piece has been drawn from the fund and used by the entire town as a risk for major diseases. Compensation.