Research Of Commercial Insurance In Urban And Rural Residents Medical Treatment Of A Serious Illness Insurance Problems

In August 2012 by the national development and reform commission, the ministry of health issued by the six ministries and commissions such as the implementation of urban and rural residents of a serious illness insurance work instruction opinion ", the financing mechanism of urban and rural residents a serious illness insurance, safeguard made arrangements, such as the content, the way to undertake the requirements of urban and rural residents of a serious illness insurance take the way of a serious illness insurance to commercial insurance institutions. Make a serious illness of health care "because of sickness poor, Chinese due to illness" phenomenon is expected to end, also made a serious illness health care across the country to a commercial insurance agency orgnaization of become a reality, this is China’s social security system design, the introduction of the first official commercial insurance and the market mechanism, with the deepening of the medical treatment of a serious illness insurance business institutions involved, the fusion effect of which will be gradually enlarged, thus promote the unity of miho, everyone with fairness. Taking shaanxi province as an example, the medical treatment of a serious illness insurance development course, from the planned economy period in our country medical insurance, labor insurance, the rural cooperative medical care stage, to the complete coverage of basic medical security system, until six ministries issued the implementation of urban and rural residents of a serious illness insurance work instruction opinion ", make urban and rural residents medical treatment of a serious illness insurance really carry out across the country, demonstrates the typical patterns all over the country in the process of practice of a serious illness insurance, commercial insurance institutions to participate in research in shaanxi province the developing mode of a serious illness insurance, short-term effect and the existing main problems, put forward a serious illness insurance policy choice for the sustainable development of shaanxi.