Study On The Sustainability Of Serious Illness Insurance For Residents Both In Rural And Urban Areas

Serious illness insurance for Rural and Urban residents originate from policy ideas of improving the construction of China's medical and health system and improving the people's interests. After entering the new century, In order to achieve the purpose of improving the level of medical security of urban and rural residents, reducing personal expense, some areas in China began to actively explore ways to introduce commercial insurance agencies to participate in the construction of the social medical security system, one of the results of that is the serious illness insurance,as the extension of basic medical insurance.The guidance document of serious illness insurance is issued by the government in 2012, and serious illness was fully implemented in 2015.This system effectively solve the practical difficulties of the masses, reduce the risk of poverty due to high medical expenses. So it is beneficial to improve the system and promote the sustainable development.First of all,this paper establish a sustainability assessment system of serious illness insurance,and then predict and evaluate the sustainability of serious illness insurance in Leshan City of Sichuan Province,using the method of AHP. The results showed that under the existing system of insurance of a serious illness, the sustainability of serious illness insurance is gradually reduced, even to a very low level.In other words,Funding sources are not sustained, serious illness insurance is not sustainable.in the current system of insurance of a serious illness, even if the medical needs not to release, medical expenses, the population is steadily increasing will lead city home insurance fund deficits.In the first part, mainly introduce the theoretical basis. First chapter is the introduction. It mainly introduces the serious illness insurance development of background, and then introduces the purpose and significance of this study, and expounds the development of the current serious illness insurance. In the second chapter, the definition of concept, the definition of serious illness insurance:" serious illness insurance is a government led, commercial insurance company to undertake, in view of the insured person of the basic medical insurance for urban residents, the new rural cooperative medical insurance for gauge medical costs more than the basic medical insurance, since the pay part of the insurance". The sustainability of serious illness insurance can be understood as a characteristic of the development of urban and rural residents illness insurance, this characteristics can reflect sustainable development degree of system, so it can make quantitative analysis.The second part, main part. In the third chapter, the establishment of a serious illness insurance sustainability indicator system. The fourth chapter according to Leshan, Sichuan Serious illness insurance business data, predict and evaluate the underlying index, and then use the weighted average method to reach the sustainability of serious illness insurance in 2015-2024 years in the city of Leshan has decreased year by year, in 2019 began the sustainability level low status. The surface showed a serious illness insurance money, the essential reason is that Basic medical insurance fund balance is difficult to support the sustainability of a serious illness insurance in the absence of other financing channels. The third part is the conclusion. In the fifth chapter, international experience, at present mainly international health care reform focuses on introducing market competition mechanism, promote the construction of commercial insurance to participate in social insurance,and emphasizes the control of the medical expenses.The sixth chapter is policy recommendations:improve the design of the system, establish a dynamic adjustment mechanism;serious illness insurance certain laws and regulations support; Perfect other medical security system.