A Research On Benign Mechanism Of Serious Illness Insurance Of Urban And Rural Residents

After ten years of reform and development,Chinese Medical security system has made prominent achievements.Multi-level medical security system covering urban and rural residents with the basic medical insurance as the main body,supplemented by other forms of health insurance and commercial insurance has been initially established,but overall,the level of protection and security system is still relatively low,the ability to withstand catastrophic risks is not strong, and personal ill health cost burden is still heavy,so it is urgent to establish a security mechanism of major diseases.On August2012, the National Development and Reform Commission, Ministry of Health, Ministry of Finance, Human Resources and Social Security, Ministry of Civil Affairs, the CIRC six departments jointly issued "Guidance on urban and rural residents to carry out the work of serious illness insurance" means the level of our medical care is further enhanced. With the implementation of the new policy, the difficulty and expensive problems of medical treatment have been alleviated to some extent.However,owing to serious illness insurance as an innovative project implementation, in the policy process of operation, there are still many problems to build a benign mechanism contributing to the effectiveness of policies on major illness.This research analyzes the rationality of the design of the insurance system of major illness, from the following three perspectives,namely financing mechanisms.the content of protection and the way to undertake.On this basis, We investigate a pilot city in Hunan Province-Chenzhou,sumniarize the development of serious illness insurance,analyze the difficulties and emphasis in the process of implementing Serious illness insurance,such as policy advocacy, insurance claims, overall supervision, medical costs and other issues, the reasonable and feasible suggestions are given as follows, instilling the knowledge of medical insurance, enhancing the intensity of publicity and establishing a risk linkage mechanism, real-time monitoring commercial insurance agency, integrated management and so on. We attempt to explore the mechanism of benign illness insurance, convoying a sustained and stable development of serious illness insurance project.