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Medical insurance is an effective means to deal with the risk of disease, social groups with homogeneous disease risk, morbidity, and medical expenses, the calculation of the number of funds raised by individuals, units, national co-financing used to compensate for the social crowd due disease risk and economic losses. The right to health is a concrete manifestation of the national right to life and the right to development, national health rights are not protected, can not solve the national production problems, let alone help nationals to restore health, investment in reproduction to ensure their own development. Nationals the right to health maintenance to social stability, economic development, the country continued development. China's medical insurance system to achieve universal coverage, the basic realization of universal health care. The current health insurance system is mainly constituted by the basic medical insurance for urban workers, urban residents basic medical insurance and new rural cooperative medical care three plates, three plates institutional arrangements provide medical insurance for urban workers, urban residents and agricultural population. The development of the basic medical insurance for urban workers 13 years, since the development of the new type of rural cooperative medical care for nine years, urban residents basic medical insurance development, basic coverage of all citizens, and the formation of a wide range of medical security system, made a significant protection of the National Health contribution to safeguarding social stability and promoting economic development. But the system is over-segmentation of three plates, the security benefits are not uniform, fairness has not been fully reflected; provide centralized in the county, prefecture, city, lower level of co-ordination is not conducive to the health insurance fund's liquidity, as well as the dispersion of risk; management sector is not uniform, inefficient management, leading to the existence of the problem of the convergence of systems difficulties, China's medical insurance system is to be further improved. \This paper aims to understand the current situation of China's medical insurance system is implemented according to the actual situation of Yunnan Province, analysis of existing problems, combined with the new health care reform and the national economic planning, the construction of China's medical insurance system, put forward their own views, promote the development of health services, and improve the health insurance system, to further protect the national basic health. This paper aims to study the problems in the current health care insurance system, the purpose is to explore how to build a system of medical insurance system, provide to the national fair, efficient medical security benefits, in order to protect the national basic social security rights. Choose Yunnan Province, the development of the medical insurance system, for example, to analyze shortcomings in China's medical insurance system is to the specific circumstances to carry out a medical insurance system, under the new health care reform and the 12th Five-Year Plan for the implementation of the background, the proposed recommendations to promote the reform of China's medical insurance system, to build China's medical insurance system.
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