Critical Illness Insurance Helps Consolidate The Achievements Of Poverty Alleviation In China

At present,China has achieved a comprehensive victory in the battle against poverty,and the people have also got rid of the problem of absolute poverty.However,the past poverty alleviation experience tells us that diseases have a significant hindrance to the achievements of poverty alleviation.And urban and rural residents critical disease insurance,it is should the masses reflect strongly "because of the disease caused by poverty,because of the disease back to poverty" problem and born.Therefore,this paper combines critical illness insurance and poverty alleviation,a major livelihood issue in China,to study the consolidation of the achievements of poverty alleviation assisted by critical illness insurance,which has strong theoretical and practical significance in the new situation of continuing to consolidate the task of poverty alleviation just completed.This paper is based on the idea of putting forward the problem,analyzing and solving the problem and optimizing the scheme.First,putting forward questions.Based on the research background,significance and purpose,this paper puts forward the question of "whether critical illness insurance will help consolidate the achievements of poverty alleviation in China and its effects".Secondly,analyzing and solving the problem.This paper combines theoretical analysis,practical evaluation and empirical verification,evaluation and test,and draws the conclusion that "critical illness insurance helps consolidate the achievements of China’s poverty alleviation,and the effect is good".Finally,optimizing the solution.Based on the conclusions in the process of empirical verification,evaluation and testing,this paper puts forward corresponding countermeasures and suggestions for strengthening the effect of the contribution of critical illness insurance to consolidating the achievements of poverty alleviation in China.Based on the above ideas,the research content of this paper is divided into the following five chapters:The first chapter is the introduction.This chapter introduces the research background,significance,purpose and content of this paper,explains the writing ideas,framework and methods of this paper,and points out the possible innovation and shortcomings of this paper.The second chapter is the literature review.Literature analysis is adopted in this chapter.Firstly,relevant studies on the concepts of critical disease and critical disease insurance are sorted out.Then it introduces the problem of poverty and introduces the research on the relationship between critical diseases and poverty.After that,the research on the relationship between critical illness insurance and poverty not only includes the introduction of relevant research tools and methods,but also includes the theoretical basis for the help of critical illness insurance to achieve poverty alleviation,such as poverty theory,health theory,public goods theory and risk theory.This chapter leads to the topic selection of this paper,at the same time,but also provides the theoretical basis for the research.The third chapter is the domestic and foreign practical experience of the help of critical illness insurance to consolidate the achievements of poverty alleviation.In this chapter,comparative analysis is adopted to study the practice of critical illness insurance at home and abroad to help consolidate the achievements of poverty alleviation.In foreign countries,the three representatives of South Africa,the United Kingdom and the United States are selected successively according to the order of the launch time of critical illness insurance.In China,the classification standard of eastern,central and western cities in China is adopted,and Zhejiang,Anhui and Qinghai provinces are selected as representatives.Found a critical illness insurance at home and abroad were strengthened by means of comparison and analysis of poverty,among them,a critical illness insurance in foreign countries mainly through hierarchical levels,expand the scope of insurance,to provide insurance using methods such as autonomy,convenient for the masses to provide additional insurance,help the original has been out of poverty groups avoid Chinese again due to illness,so as to help secure the achievements of poverty;The domestic critical illness insurance mainly adjusts the reimbursement standard of the system to reduce the economic burden of the residents and accelerate the recovery of the labor force,so as to prevent the original groups that have been rid of poverty from returning to poverty due to illness,thus helping to consolidate the achievements of poverty alleviation.Although it is difficult for China to adapt to some of the characteristics of critical illness insurance in foreign countries,it also provides reference for the development and transformation of critical illness insurance in China.The fourth chapter is the empirical analysis of the contribution of critical illness insurance to consolidate the achievements of poverty alleviation in China.In this chapter,empirical analysis is used,including the following aspects: Tracked based on CFPS(family)database,using STATA 15.0,first build a multiple regression model,the feasibility of a critical illness insurance help secure the achievements of our country out of poverty,the inspection results show that the critical illness insurance through reduce the economic burden of family because of illness to become residents and accelerate the recovery of the labor force,help to consolidate the achievements of poverty;At the same time,this chapter also combined with the existing CFPS data of 2014,2016 and 2018 to construct the poverty alleviation index,and used comparative analysis and econometric analysis to compare and calculate a number of indicators.Among them,for the most important poverty alleviation index,the calculation results show that,compared with the basic medical insurance,After participating in the critical illness insurance,the degree of poverty alleviation has increased significantly and is approaching 1,that is,the participation in the critical illness insurance has a strong pertinence to prevent poverty caused by disease and has a significant effect on poverty alleviation.Therefore,the assessment believes that the critical illness insurance has a significant effect on helping consolidate the achievements of poverty alleviation in China.Further,considering the critical illness insurance is designed to solve the masses feel strongly about "poverty due to illness,Chinese" due to illness,it is closely related to the topic of poverty,so that a critical illness insurance for poor attention should also be considered,as a result,and the reference literature,using measurement,to calculate the measure of a critical illness insurance equity index(concentration,CI),However,the index results are all negative,that is,the critical illness insurance does not reflect the equity of the poor group,which also provides direction and ideas for the improvement of the system and the government to consolidate the achievements of poverty alleviation in China.The fifth chapter is the suggestion and prospect of this paper.Based on the conclusions in the process of empirical verification,evaluation and inspection,this chapter puts forward two suggestions to strengthen the effect of the contribution of critical illness insurance to consolidate the achievements of poverty alleviation in China: First,the popularity of critical disease insurance and the level of medical service should be improved at the same time,and the tripartite linkage between medical insurance departments,local government agencies and insurance companies should be realized.In addition,the case publicity of favorable medical treatment policies brought by critical disease insurance should be increased by combining with the Internet platform.At the same time,we should also urge the improvement of the level of medical services,so that doctors and patients can feel the care and thoughtfulness of the hospital.The second is to improve the incline,critical illness insurance for poor groups called for local health departments,government departments such as the combination of local residents and regional poverty group in the past poverty,way out of poverty and poverty degree,considering adjustment by a critical illness insurance for poverty group in the past and edge,on the basis of poor standard of reimbursement,In the short term,the minimum reimbursement line and the reimbursement ratio of this group will be further reduced moderately.The innovation of this paper is mainly reflected in three aspects: First,the innovation of research perspective.This paper is based on the new starting point of comprehensive poverty alleviation,so as to determine the topic and keep pace with The Times.At the same time,this paper discusses the equity of critical illness insurance,transforming subjective ideas into visible analysis results,which has a new perspective.Second,the innovation of research data.This paper mainly uses the data of CFPS in 2018,which was after China basically realized the full coverage of critical illness insurance.Therefore,the results of feasibility inspection and effect evaluation are more timely,representative and persuasive.Third,the innovation of research methods.Compared with the previous single qualitative analysis method,the analysis results in this paper are more reliable due to the addition of quantitative analysis.