Study On H City Government Purchase Of Critical Illness Insurance Service From The Perspective Of Public Contract

The critical illness insurance system is dominated by government aiming to future guarantee the interest of the insured who have a high medical cost.The governments achieve certain success on operating the efficiency of critical illness insurance,service quality,fund risk prevention and control by purchasing critical illness insurance and introducing the professional operation of commercial insurance institutions.However,the fully unfolding of critical illness insurance requires more public administration and service ability to government.How the government plays the roles of “Smart buyer” and “Public interest maintainer” by contract to set up a system of proper encouragement,strong regulation and clear role and responsibilities,and urge the commercial insurance companies to provide cost-effective service to the insured seems very important.There are relevant researches also discuss micro-dimensions such as the relationship between principals in government purchase process,risk prevention and control and system construction with the method of case analysis when fully discussing the justice and rationality for government purchase service.However,there are still deficiencies such as insufficient field investigation and data analysis of critical illness insurance,insufficient integration between government purchase basic theories and case analysis,and lacking of contract analysis perspective.This paper provides the information of the basic medical insurance of H city,the operation of the fund and the purchasing need of critical illness insurance by historical data and field investigation,so as to learn that H city has formed a complete set of operating mechanism of government purchase of critical illness insurance;Besides,this paper also evaluates the effect of security,the effect of handling and the recognition and satisfaction of the insured person of H municipal purchase of critical illness insurance services through the questionnaire survey and interviews,concludes that there are still some problems about H city purchase of critical illness insurance service,such as the large pressure of fund operation,the enthusiasm of commercial insurance institutions is not high,the deficiency of government management capacity and the lack of effect evaluation from the establishment,implementation and evaluation of the purchase contract on the basis of "public contract" theory as guidelines,and from the cognitive factors,institutional factors,technical factors on the plight of the analysis,it thinks that government’s self-positioning is not clear,government policy is lag and the lack of professional level is the main cause of the trouble to purchase of critical illness insurance service.Finally,put forward some suggestions including clarify the role of government in the contract and perfect the contract incentive system,strengthensupervision and management,and construct contract evaluation system,in order to reconstruct the institutional arrangements of critical illness insurance service through the public contract,straighten out the existing bottlenecks in the contract purchase,and realize the sustainable development of critical illness insurance system.