Evaluation Study For Performance Of Serious Illness Insurance For Urban And Rural Residents In Hunan Province

After ten years of reform and development,Chinese Medical Security System has mad prominent achievements.Multi-pillar medical insurance system with the basic medical insurance for residents as the main body, and other forms of commercial insurance as the supplement, medical assistance for the bottom line.But overall, the level of protection is still relatively low, the ability to resist significant risk of disease is not strong, and personal catastrophic medical costs burden are still relatively heavy.So it’s need to establish a significant disease risk protection mechanism. In 2013 Hunan Province chose Chenzhou, Changde, Yongzhou, Xiangxi Autonomous Prefecture as pilot city.On October 2015, Hunan Provincial People’s Government issued the "Hunan urban and rural residents serious illness insurance plan", announced the implementation of urban and rural residents serious illness insurance in the whole province, which means that level of medical care in our province urban and rural residents has been further improved. Has three years from the pilot to now, its effectiveness in pilot areas is worthy of our in-depth inquiry.In this study, in the summary of the relevant literature, and analysis of related theories,as Hunan urban and rural residents insurance system as the subject of the study,and carry out empirical research with questionnaires and interviews for the implementation of Hunan urban and rural residents serious illness insurance. From the audience’s point of view, focusing on the analysis of performance of Hunan Province illness insurance system for urban and rural residents, which analyzes the actual effect of serious illness insurance in increasing the proportion of actual payment of the health insurance fund, insured patients to reduce the probability of catastrophic health expenditures and it how to reduce low-income patients’ probability of catastrophic health expenditures. Finally, we found that the actual payment ratio increased to a lesser extent, the probability of the risk of catastrophic medical residents have a certain degree of reduction, but for low-income groups, it still faces the risk of catastrophic medical care.Therefore, we need to improve existing illness insurance system from four aspects, the protection mechanism,financing mechanism,the management services,and integration of resources to meet people’s rising health care needs.