Research On The Countermeasures To Improve The Problems Of Medical Insurance For Major Diseases In China

With the development of society,the economy has grown at a rapid rate,the pace of life has quickened,and the pressure of work has continued to increase,and people's health has been affected.The development of industry has also caused the atmosphere and water resources to be polluted to different degrees.Coupled with the worrying issue of food safety,the incidence of various diseases has become higher and higher.Especially the occurrence of major diseases,these diseases not only damage the individual's situation in both physical and mental,high medical costs to the entire family has brought a huge economic burden,medical expenses in major illness have become unsustainable for individuals and families.At present,for the normal family in China,especially low-and middle-income families,once the large-scale medical expenditures have occurred,the entire family is likely to be in a state of poverty.Therefore,the state attaches great importance to the medical insurance industry.In order to effectively alleviate the phenomenon of “ poverty due to illness,back to poverty due to illness”,in 2012,the six ministries and commissions including the National Development and Reform Commission,the Ministry of Finance,and the Ministry of Health jointly issued the “Guiding Opinions on Conducting Major Illness Insurance for Urban and Rural Residents” to pilot the establishment of urban and rural residents.With serious medical insurance,the medical insurance system for serious illnesses has begun to play its role in this part of China.In the 2017 Nineteenth National Congress report,General Secretary Xi proposed the supply-side reform theory.Under the background of supply-side reform,what are the problems in the development of major medical insurance in China? What causes these problems? How to improve and perfect it in the future development? It has become another serious issue for us.The research in this paper can theoretically provide a theoretical basis for the future development and reform of China's major medical insurance.In reality,poor people can also have equal opportunities to seek medical treatment,which is conducive to fairness and equality in society,and will help to solve the problem of overburdened medical expenses.It also helps to solve the problem of “not getting rich before getting old” in China.In this paper,we mainly use the literature research method,questionnaire survey method,interview method,statistical analysis method and induction method.The literature research method has been applied to research results both at home and abroad.In the process of verifying and analyzing the problems existing in the development of serious medical insurance in China,questionnaire survey and interview methods were used.The data obtained from the questionnaire survey were statistically analyzed,and statistical analysis methods were used.Through the current situation of China's major medical insurance,we summarized the existing problems,studied the status of foreign health insurance,policies,and literature,summed up the inspiration for the development of China's medical insurance system,and finally put forward the countermeasures for the development of China's major medical insurance.This paper is mainly divided into five parts in the structure,in the introduction part of the article,research background,research significance,research status at home and abroad,related concepts and basic theories are introduced.Afterwards,the basic framework of medical insurance for major illnesses in China was introduced,including its basic principles,scope of protection,and financing mechanisms.The current status of major medical insurance in China was introduced,including the status quo of system positioning,the current status of operation,and the status quo of supervision.There are also deficiencies in the positive effects.The deficiencies are mainly described in the third part of the article,which mainly includes inadequate medical policies for serious illness medical insurance,inadequate policy propaganda,inadequate sources of insurance funds,low level of protection,inconvenience of reimbursement of medical expenses,and poor quality of insurance services.The third part also focuses on the survey of 200 patients with major diseases in a certain city in the south and the survey results in ordinary patients,medical institutions,and social security institutions.Problems with insurance have been verified.In the fourth part,the welfare pluralism theory and the quasi-public product theory are combined with foreign experience and enlightenment to analyze the causes of the existing problems in China's medical insurance for major diseases.The main reasons include inadequate supporting policies,less policy publicity activities,and low premium prices.There are few ways to raise funds,irrational reimbursement designs and imperfect supervision mechanisms.Finally,for the healthy and stable development of China's serious medical insurance system,more and more people get benefits,and put forward corresponding countermeasures and suggestions.China's medical insurance for serious illnesses is closely related to basic medical insurance,but it is also independent from each other.It plays a complementary role in basic medical insurance and is a "safeguard" for patients with major diseases.As the medical insurance system for serious illnesses is an innovative system in China,it has just begun for a short period of time.It is believed that its existing problems will surely be improved and solved in the course of continuous development,and it will become a good policy which will benefit the people that much.