Study On New Rural Cooperative Disease Insurance In Jiangxi Province

Major illness insurance is a medical insurance policy formed by the State Council Medical Reform Office based on the experience of several regions.In August 2012,the National Development and Reform Commission and other six ministries and commissions issued the "Guiding Opinions on the Implementation of Major Disease Insurance for Urban and Rural Residents",and pilot projects were carried out in some areas.In July 2015,the General Office of the State Council issued the "Opinions of the General Office of the State Council on the Comprehensive Implementation of Urban and Rural Residents' Disease Insurance",marking that the major illness insurance has become a medical insurance system that must be implemented throughout the country.The major illness insurance is an important part of China's social medical security system.It constitutes a social medical security system together with urban workers' basic medical insurance,urban residents' basic medical insurance,new rural cooperative medical care system and urban and rural medical assistance system.In rural families in our country,if a family member suffers from a major illness,the family will face enormous risks in both medical and economic terms.Promoting the establishment and improvement of the rural serious illness insurance system can maintain and improve the health status of rural residents,so that the huge burden of rural families due to serious illness can be alleviated,and the phenomenon of “poorness due to illness and returning to poverty due to illness” can be reduced or even eliminated.The establishment of a rural serious illness insurance system can effectively protect the health rights and interests of rural residents,meet their daily medical needs,and play an important role in promoting social equity and social harmony.This paper studies the new rural cooperative medical insurance in Jiangxi Province through literature research method,case investigation method and comparative analysis method,and conducts an empirical analysis on the development and operation effect of the new rural cooperative medical insurance in Jiujiang City.The first part mainly introduces the background,research significance of the new rural cooperative medical insurance,and the research summary of the new rural cooperative medical care at home and abroad.The second part introduces the definition,orientation and characteristics of the new rural medical insurance for sickness.Some of the analysis of the status quo and development model of the new rural cooperative illness insurance in Jiangxi Province is precisely because the new rural cooperative medical insurance can alleviate the need of poverty due to illness and returning to poverty due to illness,and can better implement the new rural cooperative medical system.The principle of co-ordination and the need to meet institutional innovation: the introduction of insurance institutions is therefore necessary for its research;the fourth sector analyzes the current status and effects of the implementation of the new NRCMS in Jiujiang City,and finds that there is medical resource allocation.Unbalanced,severe illness insurance grading diagnosis and treatment is serious,financial subsidies are not implemented,commercial insurance cooperation is in trial operation,there are certain risks and other issues;the fifth department analyzes the experience of major illness insurance in advanced regions such as Germany,India,Brazil,Taicang,etc.Chapter VI,according to the current problems of the new rural cooperative medical insurance in Jiujiang City,and at home and abroad The experience of the region has led to the strengthening of the control of the insurance costs of the new rural cooperative medical insurance,the improvement of the outbreak line for major illness insurance,the adjustment of the disease cost standard,and the identification of the commercial insurance institution as the main body of the major illness insurance,and the promotion of the new rural cooperative medical insurance system.And improve,improve farmers' policy awareness of major illness insurance,and pay attention to policy propaganda.