Research On The Serious Disease Insurance Of Urban And Rural Residents In China

After more than ten years of reform and development,China's medical security system has achieved outstanding results.With basic medical insurance as the mainstay,commercial insurance and other forms of basic medical insurance supplemented and covered the multi-level medical security system covering urban and rural residents has been initially established.Although it can protect the basic medical needs of the people in the implementation process,The level of protection is relatively low.The burden of medical expenses borne by an individual's serious illness is too heavy.It is difficult to stop the return of poverty caused by major illnesses and it is impossible to resist the economic risks caused by major illnesses.Therefore,it is urgent to establish a protection mechanism for serious diseases.In August 2012,the National Development and Reform Commission,the Ministry of Health,the Ministry of Finance,the Ministry of Human Resources and Social Security,the Ministry of Civil Affairs,and the six departments of the China Insurance Regulatory Commission jointly issued the “Guidance Opinions on the Implementation of Major Illness Insurance for Urban and Rural Residents”,which means national government agencies.We attach great importance to serious illness insurance for urban and rural residents.The implementation of the new policy has,to a certain extent,curbed the occurrence of the phenomenon of returning to poverty due to major illness.The problem of difficulty in seeing a doctor and expensive medical treatment has been further solved.The insurance for serious illnesses in urban and rural residents as an innovative medical security system must be established during the operation of the system.All kinds of problems will be encountered and government agencies need to continuously explore how to develop.Therefore,it is still a long way for the serious illness insurance to really solve the plight of the people caused by major illnesses.This article examines the operation of serious illness insurance for urban and rural residents in many provinces in China and finds that the medical insurance for urban and rural residents in China generally has low levels of co-ordination and lack of fairness in the system,low level of funding,weak guarantee capacity,and adjustments by the government and commercial and commercial organizations.Mechanisms such as imperfect mechanisms,unclear supervision,and imperfect risk sharing mechanisms for serious illnesses,etc.Based on experience in the implementation of major medical insurance in the UK,Japan,and Singapore,the policy recommendations for improving the smooth operation of medical insurance for urban and rural residents in China are proposed: to harmonize the serious illness insurance system and standardize the health insurance behavior;to improve the level of overall planning and fund effectiveness;Serious illness insurance financing mechanism;Clear responsibilities of the government and the business protection agency,strengthen government supervision;Establish a risk-sharing insurance risk sharing mechanism.