A Research On The Critical Illness Insurance For Chinese Urban Residents In The Developmental Social Policy Perspective

All along, the critical illness security is a short board of our health care system, the economic risk caused by serious disease has become an important factor that leads people poor or back into poverty in our country. Urban non-employee residents have been an important subject of economic and social activity. However there are significant differences on income and health insurance between the urban employee workers and non-employee residents. The resident’s resilience to the economic risk of the disease is even worse, which made them a group in greater need of the critical illness protect.It has been a year and a half or so since our urban residents critical illness insurance policy raised till now. After several pilot projects all over the country, the implementation of the policy has entered a new phase. It achieved certain results, but a series of problems appeared as well, such as the capital venture, the lack of the institutional design, the compensation standard differences, the subject actors involved in due to the specification.For these reasons, how can critical illness security system for urban residents be pursued should become a new hot spot of the research of our medical security system, triggering a comprehensive thinking.Based on a comprehensive analysis of the results of the critical illness insurance system for urban residents of China. The concept of "developmental social policy" has been brought to this study. It combines the theoretical framework and the development of social policy in the context of development, collate relevant developmental theory of social policy scholars.Through the literature research, theoretical research methods from social investment concept of social policy development, positive social policy perspective, in an aspect of the long-term strategic vision, diversified welfare model and other concepts.The system design of the illness insurance system for urban residents of China is short-term, emergency nature "after intervention" system philosophy.Practical abilities and the deprive of the express of their demands for interest, the policy path that relies solely on the single government welfare supply channel. It supports a conducted anatomy and reflection of the policy perspective which is only concerned about the distribution of income and neglect solve the root causes of poverty caused by lack of balance on this issue.On this basis, it proposed several policy recommendations which contains a pre-intervention strategies of the health insurance for urban residents of China; an improvement of a government-led policy with full social participation of the serious illness insurance system for urban residents.An integrated policy system which improves the insurance system for urban residents illness interface with other systems and a construction of urban residents personal medical accounts to expand individual channels to resist the risk of diseases has also been introduced.