Study On Critical Illness Insurance Institution In China

With the development of economy and society in China,the demands of people for personal health are increasing.However,the coverage and security level of the basic medical insurance in our country is relatively limited.For people who suffering from critical diseases,They often need to bear a larger proportion of medical expenses,that may incur poverty.It also violate the overall scheme for solving the poverty problem and constructing well-off society.Under this background,China began to construct the critical illness insurance institution in an all-round way in 2012,all provinces and municipalities have carried out at present,some have even made overall works.But in the actual operation,there are many problems because of the lack of theoretical guidance.Based on the reasons above,this paper has carried on a comprehensive research of the critical illness insurance institution in China:it reviews the existing literature at first,then it defines the basic medical security system and the concept of critical illness,It also gives a brief introduction to China's critical illness insurance institution from five aspects:operation mode,financing mechanism,security content,insurance coverage and regulation.This paper focuses on the economic analysis of the critical illness insurance institution in China by using the theory of quasi-public goods,welfare pluralism theory,public outsourcing theory and public choice theory.Secondly,this paper introduces the background and effect of critical illness insurance institution in Zhanjiang,Taicang and Xiamen city,and analyzes the advantages and disadvantages from the aspects of policy making,financing mode and security effect.Thirdly,this paper divides the foreign medical insurance model into four types:social medical insurance mode,national health insurance mode,saving medical insurance mode and commercial medical insurance mode,then introduces Germany,Britain,Singapore and the United States who adopt these modes for represented and make analysis of their operation mode and advantages and disadvantages.At last,this paper puts forward six countermeasures and suggestions to improve the critical illness insurance institution in China,such as establishing a multi-channel financing mechanism,constructing critical illness insurance information service platform,perfecting the distribution of government and enterprises' risk,accelerate the field of medicine and health reform process and enhance residents' awareness of preventive health care.