Research On The Public-private Partnership Operating Mechanism Of The Critical Illness Medical Insurance

In August 2012,the guidance document of critical illness medical insurance was issued by the central government,and critical illness medical insurance was fully implemented in 2015.Critical illness medical insurance originated from ideas of improving the construction of China's medical and health system.In order to achieve the purpose of improving the level of medical security of urban and rural residents and reducing their personal medical expenses to an acceptable level,China began to actively explored ways to introduce commercial insurance agencies to participate in the construction of the social medical security system.One of the results of that was the critical illness medical insurance,an extension of the basic medical insurance for urban and rural residents.This system effectively solved the practical difficulties of the urban and rural residents and reduced the risk of poverty due to high medical expenses.In the dissertation,the background for issuing the guidance document of critical illness insurance is introduced firstly,and definitions of several important concepts such as critical illness,critical illness medical insurance and public-private partnership are given.Past study and research for critical illness medical insurance are cited to provide a theoretical basis.This dissertation then traces back the development of china's critical illness medical insurance,and expounds the development of china's critical illness medical insurance and analyzes several experimental modes of critical illness medical insurance in different provinces and regions.Problems and difficulties in the operation of critical illness insurance are also analyzed under the circumstances.Thirdly,the dissertation establishes an assessment modeling of critical illness insurance to predict and evaluate the supply mechanism of critical illness insurance.The assessment modeling is used to see how several variables such as critical-illness-morbidity,premium,medical-expense,basic-reimbursement-ratio,critical-illness-reimbursement-ratio,moral-hazard-expense,insurer-inspection influence the operation of critical illness insurance.Finally,the conclusion is given and several policy recommendations are provided for improving the design of the critical illness medical insurance system.