The Impact Of Urban And Rural Residents' Major Illness Insurance System On Catastrophic Medical Expenditure

Since 1998,China has gradually formed three basic medical insurance systems,including the medical insurance for urban workers,the new rural cooperative medical care and the medical insurance for urban residents.The three basic medical insurance systems work together to provide social medical protection for urban and rural residents.In order to deepen solve the problem of urban and rural residents' poverty caused by disease,The problem of returning to poverty due to illness,the medical insurance for major illnesses introduced.The system of major illness medical insurance and medical assistance is closely linked,and it has become an important part of the process of perfecting China's major disease protection system.At present,the occurrence of catastrophic medical expenditures of Chinese residents is relatively high.Many families suffer from large medical expenses due to major diseases,resulting in a significant decline in consumption levels and quality of life and even into poverty.Medical insurance as a financial contribution to medical expenditures The mechanism,in theory,can reduce the economic risk of catastrophic medical expenditures for families by reducing the medical expenses actually incurred by residents when they are ill.This article is based on the background of the pilot of the "Guidelines on the Implementation of Urban and Rural Residents'Large-Crisis Insurance Work" in 2012,and the provinces and municipalities began to carry out the trial of major medical insurance,we explored the influences of catastrophic medical expenditures for urban and rural residents after the implementation of the urban and rural major illness insurance system.By using the microscopic panel data of the China Health and Ageing Follow-up Survey(CHARLS)for 2011,2013 and 2015.the city in which the sample is located is matched with the time of implementation of the local major illness insurance policy,and the sample's major illness policy is selected according to the year.The implementation was divided into two periods,and the empirical analysis was carried out on the samples in the two periods using the double difference model.The results showed that the incidence of catastrophic medical expenditures decreased by 5.94%and 3.4%after the coverage of the two policy periods.The implementation of the major illness insurance policy has reduced the incidence of catastrophic medical expenditures of the target protection groups to varying degrees.Among the low-income and low-income groups,the policies have the better impact;Major illness insurance policies have different policy effects in different regions.The incidence of catastrophic medical expenditure is the lowest in the eastern region.The samples from the central region have the better effect than the other two regions.The incidence of catastrophic medical expenditure is the highest in the western region,but the situation is in the case of major illness insurance has also been cut after the policy implementation.