Study On The Effect Of Poverty Alleviation Insurance For Urban And Rural Residents

[Purpose]Thispaper focuses on the large-scale disease insurance population of urban and rural residents in China,conduct empirical analysis and evaluation on the effect of national and local major illness insurance which help health and poverty alleviation.In addition,find out the influencing factors and problems of the large-scale disease insurance for urban and rural residents which help the health and poverty alleviation effect.In the end,propose to improve the poverty alleviation insurance for major illness insurance.The study is beneficial to promote the sustainable development of major illness insuranceand helpChina fight poverty.[Method]This study uses the “structure-process-outcom” public policy evaluation model to construct an evaluation index system for urban and rural residents' major illness insurance,evaluates the policy operation process and the effectiveness of the policyand analyzes the problems in the process of health insurance to help the poor.We researched and compiled the poverty alleviation mechanism and development status of China's major illness insurance by the literature research method.We used the actual compensation ratio,benefit rate,and major illness compensation amount to evaluate the major diseases with the data of the2015-2017 major illness insurance compensation database in the sample area.In the next place,the poverty alleviation effect of the insurance system is based on the statistical description and multiple regression linear model to empirically analyze the status quo of the major illness insurance protection level and related influencing factors,then analyze the protection situation before and after the implementation of the major illness insurance,thus verifying the effect of poverty alleviation insurance for urban and rural residents.[Result]The overall poverty alleviation effect of major illness insurance is acceptable,but there are still some problems.In the evaluation of the poverty alleviation effect on Z-city,the poverty alleviation insurance for urban and rural residents system is relatively reasonable,but the fundraising level is limited.For example,the insurance company has not yet fully played its role in helping health and poverty alleviation;the poor population accounts for a small proportion of the total population,but the reimbursement for major illness insurance is Very high;major illness insurance effectively alleviates the phenomenon of poverty caused by disease,but it exacerbates the unfair benefit;the poverty alleviation effect on the marginalized poor is very limited;the protection level of major illness insurance needs to be improvedand the medical burden of the poor is still heavy.In the analysis of the factors affecting the level of medical insurance,whether the payment of major illnesses or not and the situation of poverty are the primary influencing factors,indirectly verify the poverty alleviation effect of major illness insurance.In addition,the individual characteristics of compliance fees,hospital grade selection,age,health statusand insurance grades are all important factors influencing the level of protection.The results show that Z-city residents' medical insurance better reflects the disadvantages of the elderly and chronic patients.The tilt of the group has a higher guarantee effect on the poor than the non-poor,and the third-level insured person has a higher level of protection than the fourth-level insured.[Conclusion]The experience of urban and rural residents with large illness insurance to help health and poverty alleviation has great reference significance for solving the problem of poverty caused by disease in other parts of China.This study evaluates and empirically analyzes the poverty alleviation situation of major illness insurance,combined with the national operation situation,from two perspectives of the main body,it proposes a development strategy for the development of large-scale disease insurance for urban and rural residents to help health and poverty alleviation: On the policy perspective,propose a sound financing mechanism,set up a deductible line,deepen the reform of the grading diagnosis and treatment system,strengthen and medical Development strategies such as theconvergence of aid and the protection of the marginalized poor;On the other perspective of insurance companies,insurance companies should be play the role of big data,play a quality service role,control excessive medical expenses,improve the accurate identification of poor people and promote actively the health and poverty alleviation work of the elderly population.