An Empirical Research Of The Critical Illness Insurance Within NRCMs In Jiangxi Province

The critical illness insurance in rural areas is an important component of the current social medical insurance system in China, constituting the system together with the other four parts: the medical insurance for urban workers, the medical insurance for urban residents, and the new rural cooperative medical care system as well as the urban and rural medical assistance system. For the whole rural residents,critical illnesses will bring great medical and economic risks to them, which requires the establishment of critical illness insurance in the countryside. The system could improve rural residents’ health conditions and guarantee their health benefits. By satisfying their basic needs for medical services, the system could effectively mitigate the serious economic and medical burden incurred by serious illnesses. Therefore, it will gradually eliminate the phenomenon of "illness leading to poverty, being poor again due to illness" and the desperate family situations,playing a significant role in promoting social equality.This thesis made a research into the Critical Illness Insurance of the New Rural Cooperative Medical System in Jiangxi Province by way of literature research method, case study method and method of comparative analysis as well as questionnaire method. This paper consists of seven parts. The first part is the introduction which made a brief presentation of the research background and significance, the research status, the research contents and methods and the innovation points of this paper. The second part is the overview of the Critical Illness Insurance of the New Rural Cooperative Medical System, stating the concept of the Critical Illness Insurance and its development, attribute, orientation and risk characteristics.The third part deals with the status of the Critical Illness Insurance in Jiangxi Province and the analysis of its development mode. At the end of this section, the thesis made clear the realistic meanings of this illness insurance in our province and they are three-fold, as is stated below. First, it’s conducive to enhancing the level of the New Rural Cooperative Medical System. Second, it makes it easier to control the running risks. Third, it provides an effective way of coping with payment crisis of social insurance in the future. The next part takes Nankang District of Ganzhou City as example and conducts an empirical research on the operation effects of the new Critical Illness Insurance. The research progresses mainly from the following perspectives: the operating mechanism of the insurance system, its coverage, the financing and usage as well as farmers’ added benefits. Through careful analysis, the Critical Illness Insurance in Nankang District has already achieved some success.First, the framework of the Critical Illness Insurance system has come into being.Second, the farmers have benefited a lot from this system. Third, sanitation has improved to some extent. However, there are still many disadvantages. First, the source of the insurance funds is inadequate. Second, the hospitalization expenses under this system increase too fast. Third, the government subsidies are not in place.Fourth, the cooperation and supervision mechanism between the government and commercial insurance companies is not effective enough. Fifth, participating farmers show very little satisfaction for the new medical care system. Last but not least, the participants are not well informed of the Critical Illness Insurance. The fifth part is mainly about the experience and realities of the rural residents’ critical illness insurance at home and abroad. As I draw lessons from countries such as Germany,India, Brazil and Australia, the following realization comes to mind: the government should further increase its financial investment, strengthen the financing for medical insurance and set a reasonable compensation standard. Then, after analyzing all the problems in the previous chapter, the paper draws lessons from the financing methods of Guangdong Province, and from the expense control of Anhui Province as well as from the supervision mechanism of Gansu Province. The sixth part of the thesis comes up with some advice for bettering the Critical Illness Insurance in Nankang District of Ganzhou City, as is presented as follows: First, the government should perfect the financing mechanism, ensuring the source of insurance funds. Second, it should put the insurance expenditures under control. Third, the government subsidies should be implemented in place. Fourth, the responsibilities of the government and commercial insurance companies must be made clear to better the mechanism. Next,the concerned authorities should make participating farmers more satisfied with the system. Finally, the government should diversify the ways of propagation, making the system known to more people. Chapter seven is about the conclusions and prospects,which summarizes this paper’s research and points out the disadvantages of the paper while introducing some prospects.