Study On The Cooperative Model Of The Supplemental Insurance About The Medical Illness In The New Rural Cooperative Medical Scheme In Jilin Province

In October of2008. National Development and Reform Commission issuedthe"Opinions on deepening health system reform(draft).The draft provides policy guidelinesfor the future of the overall20years to direction of the country of medical security system,2012, after six ministries approved,"The opinions regarding the development ofparticipating farmers illness insurance work"(NDRC Society [2012] No.2605) formallyissued that will nationwide began.For commercial insurance agencies concerned, it was thefirst time can be ushered in handling "all kinds of medical care services," the policy ofbroadening the business of insurance companies, to those insurance companiesthat"qualified" will brought a broad space for development.The new rural cooperativemedical insurance is a supplement to improve and complement the new rural cooperativesystem, is also a farmer-friendly policy reflects the government’s responsibility, and theprocesses involved in the management, commercial insurance company will assume certainoperational risks, such as moral hazard, Risk Policy fluctuations rapid growth of medicalcosts, operating cost control potential risks and how to avoid the potential risks in productionand business activities, but also good service insurance customers, it is very important alsoworth to studying.This article attempts to document analysis, case analysis, comparativeanalysis, set Jilin PICC Property Insurance Co., Ltd., NCMS serious medical supplementalinsurance as an example,try to explore new rural cooperative medical mutual trustsupplemental insurance commercial insurance companies handling modeselection and implementation process, selection and implementation process researchpractices outside the country starting from the theoretical analysis and ill health mutualinsurance company handling supplemental insurance commission model, Jilin ProvinceNCMS ill health mutual insurance company handling supplemental insurance commission toprovide theoretical and empirical support, seek out the new rural cooperative medical illnessinsurance process mutual complement the existing problems, it is necessary to introducemarket mechanisms proposed by the insurance company managers, and of the new ruralcooperative medical illness insurance mutual complement mode selection andimplementation process provides suggestions for reference。...