Study On The Sustainability Of Serious Illness Insurance For Residents Both In Rural And Urban Areas In Shandong Province

Medical security system in our country after more than a decade of change and development,has achieved good results.Preliminary established in basic medical insurance for urban residents,the new rural cooperative medical care system,urban and rural residents basic medical insurance as the main body,to supplement,commercial health insurance medical treatment for the bottom line of multi-level medical security system.But overall,China’s existing medical security level is still relatively low,are less able to fight against major disease risk,for most people a serious illness medical expenses burden is still heavy,so we need to set up a major disease risk disperse mechanism to solve this problem.Serious illness insurance supplement insurance of primary medical treatment gradually started in 2012,in August 2012,the state introduced the implementation of urban and rural residents of a serious illness insurance work guidance "under the" guidance "for short,a serious illness insurance in cities across the country have since come.In the process of carried out a serious illness insurance,It has gradually become a bridge that crosses from the social insurance and commercial insurance,effectively solved the people because of sickness poor,Chinese problem because of illness.In 2013 in shandong province to carry out a serious illness insurance pilot work,from the beginning of establishing new farming and serious illness insurance to expand the range of 2014 to establish a serious illness insurance,urban and rural residents from press disease to submit an expense account to the expenses and the reimbursement range is growing and this means that the residents’ medical security level in our province has further improved.From the pilot to now there have been four years,the implementation status and effect of a serious illness insurance how worthy of our study.Based on urban and rural residents in shandong province this serious illness insurance system as the research object,from the financing mechanism,the way to undertake,ginseng,guarantee mechanism and so on four aspects of the implementation of a serious illness insurance status of shandong province,through combing found two major characteristics of the operation of a serious illness insurance in shandong province as a whole high level and implement step by step in the process of integration,problems existing in the running of respectively due to the unreasonable starting line set fairness problem,financing channels and means of the single problem,imperfect relevant laws and regulations and sustainability problems caused by the lack of dynamic adjustment mechanism.On the basis of comprehensive consideration of various factors affecting fundbalance,with a serious illness insurance income and expenditure as the research object,analysis forecast a serious illness insurance fund in the next decade under different compensation and funding levels pay expenses and fund operation,finally according to the analysis and prediction is put forward from the aspects of financing mechanism,guarantee mechanism,etc policy recommendations to promote the development of a serious illness insurance sustainability in shandong province.