Study On Critical Illness Insurance Of China

With the rapid development of economy, people are increasingly demanding on the quality of life. However, market competition is more and more serious, and people life pressure is bigger. Therefore, the health becomes one of the most concerns for people. Diseases not only bring harm to people’s body, at the same time also brought their families a great economic burden. So, the influence of disease has received widespread attention.Based on such background, in this paper, the concept and connotation of a critical illness or critical illness insurance have for in-depth analysis, and sum up the medical treatment of a critical illness insurance development present situation in our country. Found critical illness medical insurance in our country exists in medical and health resource allocation imbalance, propaganda inadequate and inappropriate advertising at the same time there has not been for-med, and the pattern of diversity in office. Through the analysis, it is not hard to see these problems in the system in China is mainly due to the counters in the adverse selection in the field of rural health, insufficient government investment, and the reason such as the "national treatment" concept is deeply ingrained.Combined with Britain, Germany, India, and the Cuban four countries the practice of medical treatment of a critical illness insurance, we summarized their successful experiences of the development of medical treatment of a critical illness insurance of our country’s enlightenment:should strengthen the construction of primary familiarizing, attaches great importance to the disadvantaged groups and low-income people health care; Should stick to public medical industry’s dominant position, the positive development of private medical industry; Should be increased the proportion of preventive health care in the public health service.According to the above content, consummates our country medical treatment of a serious illness insurance puts forward four suggestions:critical illness medical insurance related legal policy, practice around specification; To strengthen the support of management of outpatient service a serious illness, audit strictly the management; To strengthen the audit of commercial insurance cooperation, the implementation of the supervision and regulation of commercial insurance; Accelerates the process of medical reform, medical treatment of a serious illness insurance related support.