The Study On Operation Performance Evaluation Of The Critical Illness Insurance Of Urban And Rural Residents In Gansu Province

As a effective prescription can radical cure for "returning to poverty by illness and poverty due to illness",urban and rural residents' critical illness insurance(hereinafter referred to as critical illness insurance)system came into being in 2012.Under the guidance of the relevant policies of the central government,it carried out pilot work on the critical illness insurance,explored and implemented suitable policies of the critical illness insurance for local from place to place.The Gansu Province's critical illness insurance policy started the pilot work of the critical illness insurance system in 2013.The critical illness insurance has only begun to be implemented in whole of Gansu Province on 2014.In order to better and more comprehensively understand the operation performance of the critical illness insurance in Gansu Province,this paper evaluates the operation performance of the critical illness insurance system in Gansu Province,and puts forward policy suggestions to promote the sustainable development of the critical illness insurance.First of all,it introduced basic theory of the critical illness insurance system in details in this paper.Then,the article analyzed the operational performance of the critical illness insurance system in Gansu Province from 2013 to 2016 in the insured situation and other aspects.Finally,based on selection basis of the evaluation index,nine indexes such as the fund utilization rate,the number of beneficiaries and the per capitalcompensation amount were selected.14 cities were used as empirical subjects in Gansu Province.This study is an empirical analysis of operation performance evaluation of the critical illness insurance system in 2016 with principal component analysis.Through the analysis of the empirical results of the operation performance of the critical illness insurance in Gansu Province,thus it may be know that the critical illness insurance has achieved good results since the pilot in 2013.But the actual level of compensation of the critical illness insurance is low that is the problem exists in reality commonly in 14 cities in Gansu Province.The low level of compensation is harmful to alleviate the burden of high medical expenses for those patients with serious diseases and is impossible to exert entirely guarantee function of the critical illness insurance.Secondly,regional development is unbalanced.The 14 cities' overall ranking of operation performance of the critical illness insurance has a wide gap.It indicates that development of the critical illness insurance exists unbalance and the public benefit equity of the critical illness insurance is poor.This article summarizes the factors that affect the empirical results of the operation performance of the critical illness insurance in Gansu Province,namely the geographical location,the level of economic development,the implementation time of the critical illness insurance and the utilization of funds for the critical illness insurance.In this paper,the author putsforward six proposals on improving the critical illness insurance are as follows:we have to co-ordinat the development of the critical illness insurance throughout the province and enhance benefit equity;establishing the rational operation mechanism of funds;improving the financing mechanism;improving the mechanism for the participation of commercial insurance companies and strengthening the participation power of business insurance company;refineing and clarifying the responsibilities of participating government agencies and establishing a multi-participation monitoring mechanism;building a multi-level medical security system.Based on the actual operation of critical illness insurance in Gansu Province,the operation performance of the critical illness insurance system was evaluated scientifically and objectively in this paper.The author analysed the problems in the operation of critical illness insurance and gave the relevant policy recommendations.So as to further improve the critical illness insurance system and promote the sustainable development of critical illness insurance.It provided practical referential for the improvement of the critical illness insurance policies in the rest of the nation,especially in remote and poverty-stricken areas.Thereby,perfect and strengthen the critical illness insurance system in the whole country.