Analysis On The Current Situation And Development Countermeasure Of Critical Illness Insurance

In recent years,China’s medical insurance system constantly makes improvement in the reform,and gradually establish the coverage of urban and rural residents and workers multi-level universal health insurance system.However,there are still problems such as inadequate health insurance system and low level of protection.In order to solve the problem that the insured people often have "Disease leads to poverty and then to poverty.In September 2012,the national development and reform commission,the former ministry of health,the Ministry of Finance and other six ministries jointly issued the "guidance on the development of urban and rural residents’ insurance work for critical illness ".It is required to introduce a market mechanism,establish a medical insurance system for major diseases,and re-reimburse or increase the proportion of reimbursement for the high medical expenses caused by critical illness.Medical insurance for critical illness is the expansion and extension of the basic medical insurance system and is the interface between commercial medical insurance and social medical insurance.It bears the function of medical security trust for people with high medical risks and constitutes the double insurance of residents’ medical insurance together with the basic medical insurance of urban and rural residents.It is very important for medical insurance institutions to cooperate with commercial insurance through joint management,service outsourcing and differentiated development to promote commercial insurance to play a complementary and perfect role in the whole medical security system,so as to establish a multi-level medical security system,improve the level of medical security and promote the development of public health.From 2012 to the present,the medical insurance for critical illness has gradually matured and perfected,which effectively alleviates the economic pressure of the sick family.To a certain extent,it reduces the probability of returning to poverty due to illness.But there are many problems in the process of policy implementation.This paper will combine the problems found in the implementation of the medical insurance policy of a major disease in Jiangxi Province,analyze the causes from the hospital’s point of view and put forward feasible policy recommendations to further help the development and perfection of the medical insurance policy for critical illness.The first chapter of this paper is an introduction,which expounds the research background and significance of this paper.The second chapter briefly describes theconcept,history and present situation of medical insurance for critical illness.The third chapter analyzes the problems in the implementation of the medical insurance policy in the course of the critical illness,the waste of medical resources,the degree of information and the enthusiasm of the participants in the service.The fourth chapter puts forward the countermeasures for the four problems analyzed in the third chapter.The fifth chapter summarizes the full text.The medical insurance system for serious illness is an innovative system in China.I believe that in the continuous development,its problems will be improved and solved,and it will become a sound policy for the benefit of the people.