Study On Sustainability Of Serious Disease Insurance Fund For Urban And Rural Residents In Hebei Province

Serious illness insurance for urban and rural residents is a new medical security system,which is an effective supplement to basic medical insurance.It is based on the phenomenon of "poverty caused by illness" and "poverty returned due to illness",which are still prevalent at this stage.Practice has proved that the system of serious illness insurance,to a certain extent,solves the high burden of medical expenses,and it is a good policy to benefit the people.However,a series of problems existing in the operation of the system will affect its healthy and sustainable development,among which the fund of serious illness insurance is the most direct and key factor.Therefore,in order to ensure the sustainable and stable development of major illness insurance system,in-depth study on the balance of income and expenditure of major illness insurance funds has become the main content of major illness insurance research.First and foremost,this paper interprets the major illness insurance system from such aspects as financing mechanism,compensation mechanism,overall planning level and operation mode,which will make readers have a preliminary understanding of the major illness insurance system.Secondly,the current situation of the major illness insurance fund in Hebei Province is analyzed.Because the major illness insurance fund is allocated from the balance of the urban residents' medical insurance fund and the new rural cooperative fund,so the income and expenditure as well as balance of the urban residents' medical insurance fund and the new rural cooperative fund are analyzed horizontally and vertically at first,and then according to the results above,this paper carrys out sensitivity analysis of the financing standard and guarantee level of the major illness insurance in Hebei Province.Third,on the basis of the above-mentioned study,the income,expenditure,allocation ratio and accumulated balance of the serious illness insurance fund for urban and rural residents in the next 10 years are analyzed and predicted,and the results show that,under the low level of reimbursement,Serious sickness insurance fund is sustainable in a period of time,but that high-level reimbursement situation makes serious illness insurance fund deficit.So in the long run,it is necessary to make dynamic adjustments to the fundingstandards.Finally,this paper puts forward some measures to achieve sustainable development of the fund,such as broadening the financing sources of major illness insurance,minimizing unnecessary fund expenditure,and strengthening the supervision of relevant institutions.