Study On The Problems And Suggestions In The Process Of The Major Illness Insurance For Residengts Both In Rural And Urban Areas In China

“What do not sick,nothing do not have no money,”tells the people concerningdisease.Although our social basic medical insurance system has been basicallycompleted,coverageing all the country’s total population,the serious illness protection is stilla short-board of health care system.“Engraving save His Wife" similar stories are taking placeevery day.In order to remove the poverty caused by the major illness, six ministries issueda“guidance on carrying out the work of illness insurance for urban and rural residents”(hereinafter referred to as "guidance") in August2012,and local governments have carried outa serious illness insurance pilot.Implementation illness insurance means that the tragedy of“engraving save his wife”will come to an end.Serious illness insurance is not only in theGospel of the New Deal’s livelihood, but also in saving lives,saving the family,dignity andhope of salvation.However, there exist many probles in the pilot, there is still a long way togo in order to make serious illness insurance becoming everyone’s security andwell-being.This paper follows the general to the specific, theory to practice such a route,Topic of this paper is “Study on the Problems and Suggestions in the process of the MajorIllness Medical Insurance for Residengts both in Rural and Urban Areas in China”,this paperincludes the following five parts:The first chapter is a general overview. The main contents include the background andsignificance, writing methods, writing features and shortcomings.The second chapter is the basis theoretical of serious illness insurance pilot. First, Thissection defines the concept of the basic medical insurance, serious illness and catastrophicmedical insurance,and a list summarizes the different points of the different types ofcatastrophic health care insurance system;Then introduces the theory of public goods andpublic service outsourcing theory.The third chapter is to introduce the development of China’s illness insurance and pilotproblems. This section introduces three stages of the catastrophic insurance: the prototypestage, the pilot phase,and the comprehensively promoting stage;Secondly is the main problemwith the current situation in the presence of serious illness insurance pilot. This chapter isfocused on this sections. The fourth chapter is typical practice and enlightenment foreign country’s health caresystem,This sectiond escribes the practice of the United States, the Netherlands andSingapore’s health care system, and concludes the referenced experience for us.The fifth chapter is to give suggestions for improving development of our illnessinsurance pilot.This section puts forward suggestiongs accordingly for problems thatmetioned in Chapter III.