医疗保险是为补偿疾病所带来的医疗费用的一种保险，在职工因疾病、负伤、生育时，由社会或企业提供必要的医疗服务或物质帮助的社会保险。社会保障体系是一个国家正常发展的重要组成部分，而医疗保险又是此保障体系最为重要的一环。医疗保险不仅是人权的基础保障，还关系到社会大局的稳定与各行各业的有序发展。随着市场经济的发展，“看病贵”和“看病难”是广大老百姓就医中遇到的普遍现象。从这一现象入手，谈谈医疗保险的现状、存在的问题和改革措施。%Medical insurance is to compensate for the disease caused by a type of insurance medical costs in workers due to illness, injury, maternity, the provision of necessary medical services or material assistance from the social insurance or social enterprise. Social security system is an important part of the normal development of a country, and health insurance for this security system is the most important part. Medicare is not only the foundation of human rights protection, but also related to the orderly development of the overall social stability and walks of life. With the development of market economy,“expensive”and“difficult,”the majority of people is a common phenomenon encountered in medical treatment. Starting from this phenomenon, to talk about the status of health insurance, problems and reform measures exist.
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