A Restudy on the Definition of the Scale of Basic Medical Insurance of China

The paper restudies the scale of basic medical insurance of China. Through detailed analysis from the angles of physiology, clinical medicine, insurance and economics, we hold that the actual pracitice of deciding the scale of basic medical insurance of China according to the current standard based on the level of medical expenditure and the scale of actual medical project, is not absolutely proper, for it is subject to enlarging ethical risk of medical expenditure and resulting in great wastes of medical resources. After analysis, we reach the conclusion that rational basic medical insurance should be defined in the reach the conclusion that rational basic medical insurance should be defined in the realm of emergency cases, serious illnesses as well as fatal illnesses.