| Medical treatment is sure to be able to provide direct medical treatment charge compensation to alleviate the economic burden that its bring because of sicknesses through protecting a personnel to join,dispersive disease economy risk,insurance of medical treatment of town worker is the main component of system of medical treatment insurance of our country society.This paper analyzes the compensation level and compensation effect of medical insurance for urban workers on patients with major diseases,based on the current social problems of poverty caused by illness,poverty caused by illness,increasing number of urban workers suffering from major diseases due to work pressure and high medical costs.Taking Xunyi county of Shaanxi province as an example,through field visits to obtain the local town worker is basic medical treatment insurance ginseng protect personnel to hospitalizations passengers for detailed data,according to the disease economic risk measurement method in existing literature evaluation index,the compensation effect Xunyi county in Shaanxi province town worker suffers from major disease burden of disease and health situation,the town worker medical insurance for major diseases hospitalizations people actual compensation level for qualitative and quantitative analysis.The main conclusions of this paper are as follows :(1)the overall compensation level of Xunyi county in Shaanxi province for urban employees’ medical insurance for patients with major diseases is relatively high,but there is a big gap in the compensation level for patients with major diseases among different diseases,different medical institutions and different years.The average compensation ratio of the ten diseases with the highest single hospitalization cost is only69.22%,and the actual compensation ratio of the number of visits to tertiary medical institutions is lower than that of primary and secondary medical institutions.The actual compensation ratio of the number of patients with major diseases in 2018 is quite different from that of other years.(2)critical illness insurance fails to fully play its role as a safeguard.From 2012 to 2017,there were no patients with major diseases meeting the condition of serious illness insurance compensation,and the proportion of serious illness insurance compensation in 2018 was only 8%.(3)after the medical insurance compensation,there arestill some patients with major diseases who have heavy financial burden of diseases.After medical insurance compensation,the out-of-pocket proportion of most patients with major diseases is more than 20%(inclusive),and the out-of-pocket expenses exceed the annual per capita disposable income of patients with major diseases by more than 12%.According to the conclusion of the study,the author puts forward the following opinions and Suggestions:adjust the medical insurance policy and narrow the compensation difference of different patients;Give full play to the positive role of serious illness insurance for employees;Strengthen the coordination and management between different systems of critical illness support;We will improve the management of medical insurance and broaden the channels for compensating people with serious illnesses.The research results of this paper can provide references for the reform of regional social medical insurance in China in a general sense. |
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