Research On The Development Countermeasures Of Urban And Rural Residents A Serious Illness Insurance In Hunan Province

In2002, the CPC central committee and the state council on furtherstrengthening in decision of rural health care work expressly proposed that inrural establishing the new rural cooperative medical system, This is protectingfarmers’ health, the coordination of urban and rural economic and socialharmonious development, the comprehensive construction well-off society’simportant measures. At present, our country insurance companies have startedpreliminary participate in new rural cooperative medical system, and in practiceactively explore participate in cooperative medical system approach, but fromparticipating in width and mode on look, remains to be developed and theconsummation. Therefore, the insurance industry how to exert its advantages,and the new rural cooperative medical system play a constructive role, realizethe insurance and new rural cooperative medical system of win-win, became ininsurance before major issue.This paper first introduced the new rural cooperative medical system of thespecific content and features and its properties do a simple definition, andpoints out that the new rural cooperative medical system existing problems andexplain the necessity of introducing commercial insurance. Our new ruralcooperative medical system from the realistic situation look, there still existmany problems, such as China universally practised "to the poverty-strickenpopulation is given priority to" cooperative medical system model to lack ofsustainability, rural medical expenses unreasonable rise, fund balance ratehigher, and fund raising quantity is little, management cost is high, lack oftechnical and management resources, etc. In view of our country commercialinsurance company involved in the new rural cooperative medical system at thedeficiencies, embarks from the reality, the experience abroad, and put forwardsome further perfect recommendations.