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| Discussion on the medical insurance problems of undergraduate in the private-owned independent institute |
| FU Pingting |
| School of Business, Zhuhai College, Bejing Institute of Technology, Guangdong Province, Zhuhai 519085, China |
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Abstract Objective To study the medical insurance problems of undergraduate in the private-owned independent institute, which has positive and realistic significance for promoting the development of educational business and health cause in China. Methods A questionnaire survey was conducted among college undergraduate of an independent college in Guangdong Province in 2017. The basic insured conditions of medical insurance of undergraduate, the view of undergraduate on medical insurance, personal medical habits of undergraduate, the satisfaction of undergraduate for school hospital and other indicators were statistically analyzed. Results A total of 200 questionnaires were issued and 181 valid questionnaires were returned. The survey showed that only 17.2% of students in the survey knew a lot about medical insurance, 65.2% of the students in the survey participated in medical insurance, 61.9% of the students in the survey thought that the annual cost of medical insurance was reasonable, while 60.8% of the students in the survey thought that the proportion of medical insurance compensation was low. 36.5% of the students in the survey said that they knew about the reimbursement process, meanwhile, more than half (54.1%) of the students in the survey found that the reimbursement process was inconvenient. After illness, the first choice of medical treatment for the students in the survey was school hospitals (38.1%), followed by clinics or pharmacies (36.5%), and finally medical institutions designated by medical insurance (17.7%). 54.1% of the students in the survey were generally satisfied with the current school hospital services. Conclusion Aiming at the existing problems of medical insurance of undergraduate in the private-owned independent institute, this paper puts forward that private-owned independent institute should strengthen the publicity of health care prevention of undergraduate, ensure the high insured rate of medical insurance through various channels, improve the reimbursement link of medical insurance, relocate the school hospital, try to build online mutual community of critical illness for undergraduate and other countermeasures.
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