Research On Cooperation Relationships Between Serious Illness And Commercial Insurance

In August 2012 by the national development and reform commission,the ministry of health issued by the six ministries and commissions such as the implementation of urban and rural residents of a serious illness insurance work guidelines "(hereinafter referred to as the" guidelines "),of a serious illness insurance fund-raising mechanism for urban and rural residents,on the way to undertake and guarantee should cover the content of the detailed description,and points out that the urban and rural residents of a serious illness insurance should choose to buy commercial insurance institutions.This advice can better safeguard the rights and interests of community residents,to prevent the residents for the doctor to the medical treatment fee that pays enough happening,at the same time also can promote the medical treatment of a serious illness insurance,within the scope of the whole of China,the commercial insurance agencies to manage the smooth completion of this work.This is the first time in our country market mechanism will include in the social medical insurance.Commercial insurance and medical treatment of a serious illness insurance,originally the effect will be promoted,realize members share the results of the social development achievements.According to the release of "guidance",urban and rural residents medical treatment of a serious illness insurance carry out across the country,but both from the nature,purpose,source of insurance,the premium,insurance coverage,ginseng protect condition,have significant difference between operators and treatment level.And the two fundamentally different running purpose,make the enterprise under the cooperation of medical treatment of a serious illness insurance there are many obstacles.This article demonstrates the country practice typical of medical treatment of a serious illness insurance and commercial insurance cooperation pattern,summarized,at the same time,through the analysis of Jilin province new farming and serious illness insurance and commercial insurance cooperation pattern,short-term effect and the main barriers and obstacles existing in the cause analysis,put forward to further deepen the Jilin province new farming or serious illness medical insurance and commercial insurance cooperation suggested countermeasures.