A Study On The Critical Illness Insurance Of Poverty-stricken Population In Huojia County

The No.1 Document issued by the central government in 2019 sets out a policy of action to address the acute problems of poverty alleviation.In terms of medical security for the poor,we will implement multiple security measures such as basic medical insurance,major illness insurance and medical assistance.Poverty caused by illness has always been the main cause of poverty.In henan province,a total of 860000 poor family because of sickness in 2018,and that is 54.6% of total not poverty household.Henan province health development planning commission on the latest document in tent card poor data verification notice].In order to solve the problem that poor people find it difficult to see serious diseases,henan province began to pilot the insurance for serious diseases for rural residents in xinxiang city since2013,and achieved good guarantee effect in the process from pilot operation to provincial overall planning.In 2017,supplementary insurance for serious diseases and the fourth commercial insurance were further implemented for the poor population,gradually enriching the insurance system for serious diseases for the poor population and effectively reducing the occurrence of high medical expenses for the poor population.As a "national demonstration area for the prevention and treatment of chronic diseases",huojia county has reduced the proportion of out-of-pocket expenses for patients with serious diseases of the poor population from 41.5% to 36.3% in 2018 through a number of insurance systems for serious diseases of the poor population,which has alleviated the phenomenon of "poverty caused by illness and poverty caused by illness".However,due to the short implementation time of the system,there are still many deficiencies in the compensation process of serious illness insurance for the poor population.How to make this system release continuous dividends and better play the role of poverty reduction and support has become the focus and focus of targeted poverty alleviation in counties.First of all,this paper summarizes that city and county of henan province about a serious illness insurance policies and academic related research literature,then by looking at open statistics from the macroscopic angle to understand the status quo,and then refer to serious illness insurance in henan province’s poor and then on the basis of huojia poverty relief office and health development planning commission by inputting tent card population data and the poor a serious illness insurance compensation,in full detail to master the local poor implementation of a serious illness,and selected 10 win a serious illness insurance compensation in-depth interviews more vitality and precision of the research.Finally by using the theory of quantitative research and qualitative analysis method by means of a serious illness insurance compensation of huojia county’s poor people,insurance compensation ratio and the actual data analysis operation situation is described in this paper,combined with the local poor income,high medical costs,analyzes the problems existing in the system and combining the reality of a fine suggest further effective and useful measures.The study found that there are still some problems of the serious disease insurance for the poor population in huojia county,such as the heavy medical burden of the serious disease for the poorpopulation,insufficient precision in the design and implementation of insurance policies,prominent excessive medical consumption,and sustainable development of policies.To solve these problems,the writer summarizes a series of suggestions that are the optimization of insurance compensation mode to form precise preferential effect,the improvement of the ability of insurance management and service,the reasonable expansion of the scope of compliance fees and the improvement of the regulatory system,and the suggestions and measures of strengthening system connection and the consideration of treatment and prevention for illness person.These are expected to provide reference for the improvement of the guarantee level of serious diseases for the poor population in counties of henan province.