Research On Commercial Insurance Participation In Critical Illness Insurance Of New Rural Cooperative Medical System In Longwan District, Wenzhou

Of the new type of rural cooperative medical care system in our country, specifically for farmers serious security has established the system of a serious illness insurance, its operation mode is the government through bidding, to comply with a serious illness insurance management qualification of the insurance company. This model makes the commercial insurance agency established at the beginning of the new farmers and serious illness insurance system, which involved, to share the risk of a serious illness insurance fund pays. Due to the defects system design, the new farmers and the current framework,serious illness insurance system still occurs "because of sickness poor", "Chinese due to illness" phenomenon, at the same time, the plight of commercial insurance institutions in the hole and long term business. As the six ministries and commissions such as 2012, the national development and reform commission issued the implementation of urban and rural residents of a serious illness insurance work guidance ", the cover of pilot will establish a unified urban and rural residents of rural residents, serious illness insurance, 2015 issued by the general office of the state council "about the views of the full implementation of urban and rural residents of a serious illness insurance", urban and rural residents needs to be established in 2017, a comprehensive system of a serious illness insurance, new farming and serious illness insurance of urban and rural residents has entered into a serious illness insurance system access transition. In the current new farming and serious illness insurance system, and the future implementation of an integrated urban and rural residents after a serious illness insurance system, how to effectively play a role of commercial insurance institutions, improve the level of a serious illness insurance, prevent the ginseng protect residents "because of sickness poor", "Chinese" due to illness, and to ensure sustainability of the commercial organizations to participate in a serious illness insurance, is always a hot topic of society.This paper takes the new rural cooperative medical insurance system in Longwan District of Wenzhou as an example, adheres to the research law of from general to specific and from theory to practice, studies participation of the new rural cooperative medical insurance system in both our country and Longwan District, and strives to provide a reference for the improvement of the health care system and the construction of urban and rural major illness insurance. This thesis consists of seven parts: the first part introduces research background and significance; the second part illustrates concepts including major illness, major illness insurance, commercial insurance and new rural cooperative medical insurance, as well as research foundations both home and abroad, characteristics and trends of new rural cooperative medical insurance; the third part expatiates on the history,significance and prospect of commercial insurance participation in new rural cooperativemedical insurance system; the fourth part takes Longwan District as an example and introduces the status quo and outcome of commercial insurance participation in new rural cooperative medical insurance system in Longwan District; the fifth part analyzes in details the problems and causes of commercial insurance participation in new rural cooperative medical insurance system in Longwan District; the sixth part puts forward countermeasures and suggestions on system construction, points out that the new rural cooperative medical insurance system should follow principles including “people-oriented,serious-illness-insured”, “government led, with polycentric governance”, “responsibility in accord with authority, sustainable development”, and “long-term policy cohesion”, perfect the operation system, including establishing government-led polycentric governance system, building an “open and fair bidding mechanism“, “meet the pay raise mechanism”,“fair and efficient compensation mechanism”, and responsibility and authority allocation system within commercial insurance institutions such as “risk dispatching system with shared responsibility”, “responsibility in accord with authority business management system” and “comprehensive incentive mechanism” etc., actively guide and effectively regulate commercial insurance institutions entry and operation, to achieve the sustainability of major illness insurance and the participation of commercial insurance in major illness insurance; as the conclusion part, the last part summarizes the innovation and defficiency, and puts forward prospect.