摘要
目的综述新加坡医疗储蓄账户发展历程并总结其经验与教训,为我国个人账户的发展提供借鉴。方法文献综述法。结果新加坡医疗储蓄账户各年龄段缴费率不断增长,资金的筹集、支出与结余逐年增长;支付范围逐年扩大,门诊和住院费用支付上限均得到了提升,并逐步纳入慢性病、孕产妇保健、新生儿保健和部分体检费用;资金监管机制也逐步得到完善。启示建议借鉴新加坡经验,将个人账户使用范围扩大到家庭成员,并将个人账户结余资金用于门诊统筹或补充医疗保险;引入差别费率制并设置账户存款限额,加强资金监管力度;利用个人账户结余资金试点多元化投资,实现资金保值增值。
OBJECTIVE To provide references for the development of medical savings account in China by reviewing and summarizing the experiences and lessons from Singapore. METHODS Literature review. RESULTS The contribution rate of medical savings ac- count at different ages in Singapore had been growing step by step and the financing, expenditure and balance of it had been growing year by year. Both of the ceilings of outpatient and inpatient reimbursement were promoted. Chronic diseases, maternal healthcare, newborn healthcare and some physical examination were covered by medical savings account stage by stage. Moreover, the monitoring mechanism of the fund had gradually been improved. IMPLICATIONS Learning from the experience and lessons of Singapore, the scope of using medical savings account in China could be enlarged to family members; the balance of it could be applied to pooling funds of outpatient services or paying for supplementary medical insurances; the contribution rates should be set along with the ages of the contributors, so does the deposit limits; it proposed to strengthen the supervision and management on medical savings account, and make full use of the balance of it to make more diversified investments in order to maintain or even raise the value of the fund.
出处
《中国初级卫生保健》
2015年第6期27-31,共5页
Chinese Primary Health Care
基金
中国医学科学院医学信息所基本科研业务费项目"基本医疗保险门诊基金管理模式比较研究--基于江苏省的实证研究"(13R0107)
关键词
医疗储蓄账户
医疗保障
筹资
支付
medical savings account
medical security
financing
payment
