Analysis On The Implementation Status Of Urban And Rural Residents' Critical Illness Insurance In Guangdong Province

1 PurposeThis study aimed to survey the implementation status of urban and rural residents' critical illness insurance in Guangdong Province,analyze the existing problems,and propose corresponding solutions for the further improvement of the Guangdong Province's illness insurance system.2 Methods(1)Literature study: Collecting the literature,regulations,and books for the urban and rural residents' critical illness insurance.(2)Comparative analysis: Comparative analysis of the major illness insurance policy documents of 21 cities in Guangdong Province;and the principal component analysis method for quantitative analysis,based on the comprehensive scores of the major illness insurance operations in 21 cities,sorting and comparing,analyzing the impact of the rank.(3)Cross sectional survey: Design and issue surveys to collect date;several cities were selected to survey the current status of the implementation of the insurance system and the existing problems.(4)Statistical methods: Descriptive statistical analysis and principal component analysis are used.3 Results(1)21 cities in Guangdong Province have all carried out the system of major illness insurance for urban and rural residents.A total of 743.92 million people participated,with a premium income of 2.144 billion Yuan,a total payment of 2.094 billion Yuan,and a balance of about 50 million Yuan.The province's fund utilization rate is 97.64%,and some city fund utilization rates are below 80%,while some cities have serious over-expenditure.(2)A total of 2.653 million times of urban and rural residents enjoyed the benefits of illness insurance,benefiting about 271,500 people.The benefit rate of the whole province is about 0.37%.The province's urban and rural residents with large illness insurance patients spent a total of 28.211 billion Yuan in medical expenses,including 1.97 billion Yuan for the major illness insurance fund;the total reimbursement rate for hospitalization expenses for urban and rural residents with major illness was 60.91% and the personal self-pay ratio was 23.22%.(3)Principal component analysis results show that most of the prefecture-level cities and towns have a better level of illness insurance coverage,and the benefits are wider.It is not satisfactory in alleviating the economic burden of the insured;the fund operation of the illness insurance is under great pressure.The scores of the main components are not balanced,indicating that there is a need for improvement in the operation of the illness insurance system in cities.(4)According to research,Guangdong Province's illness insurance system has a single financing channel for urban and rural residents' critical illness insurance funds;the positioning of commercial insurance companies is unclear;the system is not well connected,and the location of major illness insurance is vague.4 ConclusionsThe urban and rural residents' critical illness insurance in Guangdong Province has been fully applied,but there is a risk of fund over-expenditure.The cooperation mechanism with commercial insurance companies is still being explored,and the connection with other systems needs to be improved.Therefore,it is recommended to improve the system's top-level design,improve the system's overall planning level;broaden the fund channels,reasonably calculate the data,and scientifically design the major illness insurance plan to ensure the smooth operation of the Guangdong's illness insurance system.