Study On The Problems And Suggestions In The Progress Of The Major Illness Insurance For Residengts In GuangDong Province

Since the catastrophic insurance system is established, the initial simple and vague cooperation model of social insurance institutions and commercial insurance companies gradually become stable and mature.In order to implement the transformation of government functions,Social Insurance Agency will be entrusted to the commercial insurance companies through government procurement illness insurance services, which gradually makes it be a relatively independent regulators from a purely managers.At the same time, commercial insurance companies through a serious illness medicare contractors ensure their position, and take advantage of business management based on market regulation and industry characteristics, then there will be not only catastrophic medical insurance system to promote good run in "guaranteed profit" under the premise, but also effective supervision of medical institutions unreasonable expenditure.However, when they saw the development of serious illness insurance, we also have to face all kinds of new and old problems that accompany development. And as the country's serious illness insurance forefront of the development of Guangdong Province, in various cities in the pilot process, there are also many problems. Based on the various regions of Guangdong Province illness insurance pilot study and research, to carry out the case against the city's serious illness insurance, problems and issues of the formation of the reason, I tried to put forward some constructive countermeasures and Solutions.This article is broadly divided into five parts: The first part is an introduction, describes the establishment of the development and catastrophic insurance system of medical insurance system,explains the research background, as well as focus and innovative research. The second part of Guangdong Province serious illness insurance combing through government procurement and regulatory and insurance companies to carry out handling of historical context, to reveal its development status, and through the analysis of relevant data reveals the existing problems. The third part explains elsewhere in the country to carry out serious illness insurance situation and relevant experience in the catastrophic insurance system introduced in several typical pattern,and summarizes the development experience. The fourth part is related to major diseases, health care practice abroad, through the United States, Germany, the Netherlands, the United Kingdom catastrophic health insurance purchasing operations.Supervision and other aspects of presentation, summarizes measures for reference.The fifth part is to improve Guangdong Province serious illness insurance purchasing,handling and countermeasures and suggestions regulation. Through the practice of foreign and national catastrophic health care insurance pilot experience in a good reference, provide targeted countermeasures and suggestions for the rest of the city,Guangdong illness insurance pilot in specific issues.