Sustainability Of Critical Illness Insurance Fund For Urban And Rural Residents In Gansu Province

After a period of ten years of development,the medical security system in Gansu Province is improving and has achieved remarkable results.My country’s existing medical system provides people with a relatively low level of protection,especially in the face of severe illness.For low-income groups and middle-income groups,the very high medical expenses caused by serious illnesses are heavy for a family.Therefore,it is necessary to improve my country’s medical security mechanism.The concept of critical illness insurance was put forward in the guidance issued by the six national ministries and commissions in 2012.With the development of critical illness insurance nationwide,the occurrence of some people falling into poverty due to illness has been resolved.Gansu Province designated Qingyang,Dingxi,and Jinchang as the first batch of pilot cities in April 2013.As the pilot cities have been implemented very well,they implemented major illness insurance for urban and rural residents across the province in 2014.According to the statistics of the Medical Insurance Bureau,it can be seen that the reimbursement ratio of critical illness insurance for the medical expenses of patients with severe illness has been greatly improved.This data shows that critical illness insurance has perfected the medical security system in Gansu Province.This has further increased the reimbursement ratio of medical expenses for patients with serious illnesses.The amount of medical expenses borne by severely ill patients has been reduced.The amount of medical expenses decreased.It has been 6 years from 2013 to2019,and some problems in the implementation of critical illness insurance are also worthy of our attention.This article conducts research on the Gansu Provincial Critical Disease Insurance Fund.First,analyzes the development status of critical illness insurance from 2013 to 2019.It analyzes the following aspects: the development process and basic principles of critical illness insurance,and the guarantee mechanism fund raising and use,compensation;secondly,by calculating the per capita compensation amount of critical illness insurance,predicting the number of people participating in critical illness insurance in the next 10 years,it is concluded that the cumulative balance of the critical illness insurance fund under the reimbursement ratio.Through the above prediction and analysis of the sustainability of the urban and rural residents’ critical illness insurance,it is concluded that there is a large gap in Gansu’s critical illness insurance fund with a high reimbursement ratio.On the basis of the above analysis,it puts forward suggestions to improve the sustainable development mechanism of Gansu’s urban and rural residents’ serious illness insurance fund from the aspects of financing mechanism,guarantee mechanism and supervision.