今天8点40分左右，廖丹来到北京市东城区人民法院退赃，以期能够得到法院的缓刑判决。近日，为救尿毒症妻子，北京人廖丹私刻公章骗医疗费17.2万多元的消息，引起社会各界的关注，企业家和网友纷纷声援廖丹夫妇。

Today 8:40 p.m. or so，LiaoDan came to Beijing dongcheng district people's court spoils back，In order to get the court's decision to probation。recently，To save uremia wife，From Beijing LiaoDan SiKe official seal cheat medical treatment cost 172000 yuan of news，Cause the focus of the society，Entrepreneurs and net friend have voiced support for LiaoDan couples。

　　尽管有很多社会捐助向廖丹夫妇倾斜，但类似廖丹妻子的情形还有很多，社会捐助只是杯水车薪。珠海市政协常委、远光软件股份有限公司董事长陈利浩称愿意捐助廖丹17.2万元，帮助其退还赃款。陈利浩说，只有医保制度更完善、合理，才能真正解决这些在医保夹缝中、难以享受医保政策人的看病难问题。

Although there are many social donation to LiaoDan couple tilt，But a similar situation and a lot of LiaoDan wife，The social donation only scratch the surface。Zhuhai CPPCC member、In the software Co., LTD. The chairman ChenLi hao said willing to donate LiaoDan 172000 yuan，Help the refund the money。ChenLi hao said，Only more perfect medical insurance system、reasonable，To really solve the squeezed in health care、Difficult to enjoy medical insurance policy people see the difficult problem。

　　廖丹的妻子杜金领患尿毒症已5年，每月需4000至5000元不等的透析费用，因没有办理医保，只能自付。20年前，杜金领便从河北农村到北京打工，但就职的诸家单位无一为其办理过医疗保险。杜金领虽嫁给北京人，但入户北京要满足“结婚满10年、申请人年满45周岁”的条件，39岁的杜金领还无法满足条件，办不了北京城镇居民医保。此外，考虑到身体经不起折腾和儿子在北京上学等原因，杜金领也放弃了回到农村老家办理新农合医保的机会。大病袭来，杜金领发现：城镇职工医保、城镇居民医保和新农合，没有一个适合她。

LiaoDan wife DuJinLing suffer from uremia already 5 years，Need a month between 4000 to 5000 yuan RMB dialysis costs，For did not deal with medical care，Can only pays。20 years ago，DuJinLing it from hebei rural to Beijing to work，But in the house for the unit without for medical insurance。Though DuJinLing marry from Beijing，But enter a Beijing to meet“Married full 10 years、The applicant at least 45 one full year of life”conditions，39 years old DuJinLing also can't satisfy the conditions，Not do Beijing medical insurance for urban residents。In addition，Considering the body can't afford to do STH over and over again and son go to school in Beijing wait for a reason，DuJinLing also abandoned the family back to deal with new farming and medical insurance of opportunities。By a serious illness，DuJinLing found：Town worker health care、Medical insurance for urban residents and new farming $，Not a suitable for her。

　　在现今全民医保的背景下，仍有一些像杜金领一样的外来人员和农民工还未享受到医保政策的庇护。他们一旦患病，该由谁来埋单？他们的权益该如何得到维护？

In the current under the background of universal coverage，There are still some DuJinLing like the same foreign personnel and migrant workers are not enjoy medical insurance policy to the asylum。They once sicken，This by who pays？Their rights and how to get the maintenance？

　　在中国社会科学院工业经济研究所研究员余晖看来，现行的三种医保形式完全可以让所有公民享受医保政策。杜金领应尽快回户口所在地办理新农合，不论比例多少，至少可以解决一定问题。余晖认为，现在还未办理医保的农民工及部分城镇居民，主要有：认为现在身体好，无需办理；感觉异地就医和报销麻烦；不知情等三种情况。

In the Chinese academy of social sciences researcher at the institute of industrial economy seems evening glow，The current three medical insurance form can let all citizens to enjoy medical insurance policy。DuJinLing should be back as soon as possible of seat of registered permanent residence for new farming $，No matter how many percentage，At least can solve some problems。Glow.with ears think，Now also did not deal with health care workers and part of the urban residents，Main have：Think now the body good，It does not need to handle；Feel different ground go to a doctor and submit an expense account of trouble；Don't informed on the three conditions。

　　城乡二元分割、户籍制度及人口流动等因素的制约，让不愿承受异地就医和报销繁琐的“杜金领们”被遗漏在医保制度之外。

Urban and rural division、The household registration system and population flow restricted by many factors，Let not willing to bear different ground go to a doctor and submit an expense account of red tape“The DuJinLing”Missing is outside in the medical insurance system。

　　在全民医保政策不断推进的过程中，医保制度的城乡分割、群体分割和管理与经办分割等碎片化问题在廖丹妻子这一拨人身上逐渐显现。由全民医保向全民医保一体化转变的口号也呼之欲出。

In the universal coverage policies continuously advancing process，The urban and rural medical insurance system division、Group segmentation and management and handling divided fragmentation problem in LiaoDan wife this myth man appears gradually。By universal coverage to universal coverage unification slogan also be vividly portrayed。

　　在长期致力于医疗体制改革的北京大学光华管理学院经济学教授刘国恩看来，建立全民医保一体化，解决异地就医和异地结算并不是一件难事，可以通过电子信息化手段，网上交易和结算，网上购物有支付平台，医保报销也同样可以建立网上支付运营平台。

In the long-term commitment to health care system reform of the university of Beijing guanghua school of management (professor of economics LiuGuoEn opinion，Establish universal coverage integration，Solve different ground go to a doctor and remote settlement and is not a difficult task，Through the electronic information can means，Online trading and clearing，Online shopping with payment platform，Medical insurance to submit an expense account can also build online payment operation platform。

　　建立全民医保一体化短期内即可实现，余晖认为，国家可以尝试建立全民健康保险制度。日前，余晖与北京大学政府管理学院教授顾昕联合撰文指出，全民健保是一种简单易行、可有效解决医保碎片化问题的医保制度。具体操作步骤如下：停止城镇职工医保的缴费；城镇居民医保和新农合合并；所有居民，无论其身份如何，居住地所在，均需参加全民健康保险；所有参保者缴纳一样的参保费，获得同等健保待遇；政府为所有居民参加全民健保提供均等化的财政补贴。

Establish universal coverage integration can be realized in the short term，Glow.with ears think，Countries can try to establish universal health insurance system。a，Evening glow and Beijing university, professor GuXin government management joint writing about said，National health insurance is a kind of simple and easy、Can effectively solve the problem of medical insurance fragmentation medical insurance system。The steps below：Stop town worker expends the medical insurance；Medical insurance for urban residents and new farming and mergers；All residents，Regardless of its status，Residence in，All needs to attend the national health insurance；All participants of the premium and pay the same，Health care for equal treatment；The government for all the residents in the equal access to the national health insurance provided subsidies。

　　余晖给中国青年报记者算了一笔账：基于国内医疗消费总水平，全民健康保险的人均年筹资水平可初步定在700元。其中国民健保费为每人每年200元，公共财政补贴为每人每年500元。以14亿人口为基数，财政补贴总额每年至少需要7000亿元，若计入医疗救助的财政投入，至少需要7200亿元左右。在现有财政卫生支出用于医疗保障的支出至少已达2600亿元的前提下，财政支出需要新增大约4600亿元，即能达到7200亿元，全民健保就能实现。对于这笔新增支出，余晖认为，以政府财政总支出水平大约在10万亿元为参照，只占其4.6%，即便全部由财政支出，也仅为政府财政支出总额的7.2%。推进全民健康保险制度，财政可以承受。

China youth daily reporter reflects to calculate a bill：Based on the domestic medical total consumption level，The national health insurance in per capita funding level can be set in the preliminary 700 yuan。Among them the national health insurance for $200 per person per year，Public finance allowance 500 RMB/per person per year。With a population of 1.4 billion is base，The total amount of financial subsidies need at least 700 billion yuan each year，If included in the medical relief financial investment，Need at least 720 billion yuan or so。In the existing fiscal health spending for health care spending at least has already been up to 260 billion yuan of the premise，Financial expenditure need to add about 460 billion yuan，That could reach 720 billion yuan，National health insurance can achieve。For the new spending，Glow.with ears think，The government fiscal spending levels in 10 trillion yuan for reference about，Accounts for only of its 4.6%，Even if all by financial expenditure，Also is only 7.2% of total government expenditure。Promote the health insurance system，Financial can withstand。

　　而要消灭医保碎片化，实现城乡医保一体化的真正难点在于各部门利益之间的博弈：新农合归属于农业部管理，城镇医疗保险由人社部负责，各地区经济发展不均衡引起的转入地和转出地之间利益此消彼长。以上专家均认为，若要改变，需要国家政策的大力度调节。(

And to destroy medical insurance fragmentation，Realize the integration of urban and rural medical insurance really is difficult departments the game between interests：New farming and attributable to the department of agriculture administration，Medical insurance by the person responsible for the club，Regional economic development is not balanced and caused a turn into between characterised interests。Experts are more than that，If want to change，Need of national policy fully regulation。(王培莲) WangPeiLian)