| The “13th Five-Year Plan” period is a crucial period for building a well-off society in an all-round way.The most arduous and arduous task is to achieve poverty alleviation in rural areas,especially in poverty-stricken areas.Since 2013,the CPC Central Committee has issued a number of precise poverty alleviation-related policies.The poverty-stricken areas in the country actively explore local poverty alleviation models based on local poverty characteristics.Since the implementation of the Poverty Alleviation Policy has achieved remarkable results,the number of poor people in China has decreased from 55.75 million in 2015 to 43.35 million in 2016,a decrease of 22.24%.In this process,the insurance industry has been able to participate in the accurate poverty alleviation,fully exerts its risk protection role in the poverty alleviation,and also helps to accelerate its own development.Practice has proved that the economy of the poor areas is fragile,and the ability of the poor areas to resist risks is weak.In theory,as a market-based risk-disposal mechanism,insurance can effectively prevent people from causing poverty and returning to poverty due to diseases,disasters,and price fluctuations of agricultural products,and builds a strong barrier to poverty alleviation and prosperity.This is a role that cannot be matched or replaced by other industries such as banks and securities,as well as other means of poverty alleviation,and effectively fulfills the functions of the insurance economy “activators” and social “stabilizers”.In 2016,of the more than 70 million poor people in China,about 30 million were poor due to illness,accounting for 42% of the total,20% of the poverty-stricken population due to disasters,and 10% due to school poverty,due to labor.The proportion of people with weak ability to poverty is 8%,and the others are 20%.It can be seen that major diseases have become the biggest obstacle to poverty,and the major illness insurance system is expected to play a crucial role in helping to promote accurate poverty alleviation.The major illness insurance system is a supplemental mechanism for the basic medical security system by the Chinese government to reduce the medical burden of urban and rural residents and to address the phenomenon of “due to poverty due to illness”.The geographical position of Taizhou is located in the middle of Jiangsu Province,and the economic development is also in the middle level of Jiangsu province.Under the call of the national and Jiangsu province's accurate poverty alleviation policy,Taizhou has carried out a lot of poverty alleviation work,and it is the first to carry out the accurate poverty alleviation through the implementation of the great disease insurance system,which has given the poor people a great support and reduced.The heavy medical burden of the poor has eased the poverty caused by major diseases.The experience of accurate poverty alleviation in Taizhou's big disease insurance has a reference to other areas in the province to alleviate poverty.This study has carried out a case study on the large disease insurance in Taizhou,Jiangsu Province,in order to obtain the experience and Countermeasures for the accurate poverty alleviation of the disease insurance in the whole Province.The research shows that the following problems exist in the precision poverty alleviation in the practice: First,the publicity and education of the major disease insurance is not in place;second,the poor population identification is not accurate enough;third,the subsidy for the poor still need to increase;fourth,the overall level is still not high enough,the efficiency of the reimbursement for the settlement of foreign countries remains to be improved;fifth,the urgent need to control the irrational growth of hospitalization costs.The following conclusions are drawn:(1)Increase the publicity;(2)Improve the accuracy of identification;(3)Increase the investment;(4)Improve the degree of overall planning;(5)Control the medical costs. |
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