Study On Tips And Development Of Serious Illness Insurance For Urban And Rural Residents In Guangxi Provinces

On August 30,2012, the "Guidance of Urban and Rural Residents Serious Illness Insurance" was announced by Six Ministries Commission. The guidance specified the departments designated by government as policy holder and the basic framework of the serious illness insurance was also determined, that the insurant, formed by the basic medical insurance for urban residents insurant and the new rural cooperative medical insurant, purchase serious illness insurance from insurance company for further compensation after basic medical insurance and cooperative medical insurance when high medical expenses is needed. "The implementation plan of Guangxi insurance institutions for urban and rural resident serious illness insurance" was subsequently issued and implemented in Guangxi province. Therefore, how to play their own advantage, what position should they in, how to promote cooperation of the three parts for achieving a win-win situation of the insurance company and the insurance system, how to make the insurance develop healthily and sustainably are the main issues of the serious illness insurance.In this paper, the main contents, characteristics and sustainability of the serious illness insurance system were introduced and the state and policy implementation of the serious illness insurance in Guangxi has been analyzed by investigating the quantity of insurant, distribution of population, personal income distribution, sources of funding, financing standard and the prediction of the insurance payment ability in the future. Through analysis and comparison of the three cities in different development state, Nanning, Liuzhou and Guilin, referring the difficulties in each stage, some shortages of the serious illness insurance has been proposed, such as medical expenses rise unreasonably, lack of co-ordination mechanism, small amount of fund raising, high management cost, single financing mechanism. To solve these problems from the actual situation, the following four targeted recommendations has been put forward by integration analysis of the Guangxi related data: firstly, the serious illness insurance system need to keep improving such as the continuous adjustment of financing standards; Secondly, strengthening information docking, improving the medical insurance settlement and accounting system, ensuring the safety of funds, improving efficiency in the use of funds, such as the using of the internet and health care to promote health care reform and development optimization. Thirdly, reducing health risks by managing and controlling medical behavior and the cost and establishment of health management and cooperation office. Fourth, improving the overall mechanism, adhering to the "four unified" strategy, and accelerating the information docking, rising service quality and work efficiency.