Health insurance during the economic downturn a role to play

U.S.subprime mortgage crisis in the instigation of butterfly wings, and gradually had an impact on the Chinese economy, especially in some export-oriENTed production recession, or even shutdown and bankruptcy, resulting in reduced employment, part of the decline in the income of workers, some migrant workers return home.Despite a series of rescue measures, but China's economic downturn was evident.The situation for the Chinese economy have confidence in the future, but the light is confident not, everyone can not stand this, the situation in the next year, takes a more serious estimates, more difficult to estimate the full number, while the common reach out to China economic one.Often say that Health insurance is a"safety valve""shock absorber", such a role in the economic boom times tend to become"unknown", but should now display the role of its time.

theory, in the currENT period of economic downturn, Health insurance can play a role in four areas: First, the functional role of its essence is that the insured In the absence of illness to worry about the financial burden and improve the lives of their expectations for the future, stability, people are feeling the economic crisis, maintaining social stability.This is the main feature.Second, in regions where conditions permit, you can temporarily adjust the funding policies, such as difficulties in the enterprise to take on temporary hold over, reduce the funding base, and even lower rates and other measures to reduce the burden on enterprises to help enterprises survive the winter.Third, the full balance of the area in the Fund, through temporary measures to improve the security benefits, the burden on the insured person a second payment, etc., to improve pay levels, can play a role in expanding domestic demand.Fourth, if possible, use surplus funds to purchase the appropriate financial products, not contribute to the financial markets, and enhance people's confidence in financial markets.

But, I say only theoretically, should play a role in these functions, it must first answer whether the currENT Health care system have the ability, I that, generally speaking ability is limited.China's medical insurance system reform task just completed soon, just entered the period of rapid growth, an analogy may be a teenager.There was a child of passion and energy, but not much blood transfusion capabilities.Second, even if there are some capacity, but can last long.We help companies through the winter, but the question is whether it can be expected,"If winter comes, spring is not far away." Save others, we must first protect themselves.Their own health insurance can not be frozen.

Therefore, the Health insurance during the economic downturn to be useful, should adhere to the following principles: First, to ensure sustainable developmENT of its own premise, within their means line.Not hot-headed, impulsive, or even"self-sacrifice." The second is to take structural measures, rather than general measures, such as the adjustment of funding policies can be structured to some of the difficulties for enterprises, SMEs, rather than a co-ordinating all areas of business.For a number of competitive enterprises, is still to maintain the policy unchanged; third is to take temporary policy, rather than long-term policy.In time can not be immediately fixed for a longer time, and capacity can be gradually extended according to the situation.Especially on the level of policy adjustment treatment, to temporary difficulties for those having difficulty in giving help, not first consider the expiration of the insurance and improve reimbursement.Fourth, do adjustment mechanism, rather than institutional adjustment.To preventive Health care, medical and other health care insurance system into the practice of adjustment, not desirable.