The Problem And Solution Of Serious Illness Insurance As A Supplement To Basic Medical Insurance

At present,China has formed a basic medical security system that basically covers the country.However,the rise of medical costs,the intensification of the aging of the population,and the discovery of more serious and malignant diseases make many families "become poor due to illness and return to poverty because of illness".In order to further support the basic medical insurance and improve the social medical insurance system of our country,serious illness insurance arises at the historic moment.Since the "guidance" issued by six ministries and commissions in 2012 to start the pilot project of serious illness insurance across the country,the government-led and professionally operated form of public service delivery has achieved remarkable results.The serious illness insurance system not only helps to complete the transformation of the new government functions,more importantly,it supplements the deficiency of the basic medical insurance,and contributes to a more universal,fair and sound social medical insurance system.However,with the promotion of the policy,the problem is becoming more and more prominent,and the analysis and solution of the key problems will promote the implementation of serious illness insurance more effectively.This paper selects A City,which is located in the eastern part of Guangdong Province,as a case study.First of all,using the method of literature research,starting from the concept and related theoretical basis of serious illness insurance,this paper briefly describes the development history of China's medical insurance and the classical model of serious illness insurance,and studies the current situation of the implementation of serious illness insurance in A city in the form of questionnaire survey and on-the-spot interview.Respondents generally affirmed the role of serious illness health insurance,but there are still problems,which can be summarized as follows: insufficient insurance protection;lack of stability of the fund;lack of publicity to the general public.Non-existent supervision and information sharing system;insurance companies do not give full play to their expertise.The paper mainly summarizes and analyzes the main points through the formulation level of serious illness insurance policy and the operation level of insurance policy in A city.The fifth part briefly describes the advantages of medical insurance in other countries and the reference significance to A city through comparative analysis.On the basis of the specific situation of city A and other experience around the world,the sixth part of the paper puts forward some reasonable suggestions,including perfecting the formulation of insurance policy,defining the orientation and responsibility of the government,stimulating the energy efficiency of insurance companies,the sharing of information and the perfection of supervision system,in order to make a modest contribution to the improvement of the insurance system of serious illness in A city in the future.