浅析城乡居民大病保险运行状况及合理化建议

Analysis on the operation of seriousillness insurance for urban and ruralresidents and reasonable suggestionsAbstract:Serious illness insurance is an innovative system to improve China's medical securitysystem and alleviate the problem of "poverty caused by illness"of urban and rural residents.Through the analysis of the current situation,existing problems and operation effect of theserious illness insurance system for urban and rural residents,it is found that although the seriousillness insurance system can reduce the economic burden of patients with major diseases to acertain extent,due to the current limited level of security,there are still many problems in theoperation of the system,such as the single channel of fund-raising,the low level of socialsecurity,the low level of social security,and the low level of social security Low level of overallplanning,unfair compensation mechanism,large overlapping of insurance definition andunderwriting effect of commercial insurance institutions,some people still can not enjoy therelevant medical security treatment because they can not reach the definition standard of seriousillness insurance,which is not in line with the original intention of the establishment of seriousillness insurance system.Through the targeted research on the above problems,as well aslearning from the successful experience of foreign serious illness insurance compensationmechanism,this paper puts forward some suggestions for the further development of China'sserious illness insurance system for urban and rural residents,such as broadening the financingchannels of serious illness insurance,innovating the financing mechanism of serious illnessinsurance,establishing the hierarchical compensation scheme of age income,improving thequality of life and improving the quality of life Some reasonable suggestions are put forward,such as improving the identification and connection mechanism of serious illness medicalassistance objects,establishing dynamic medical insurance catalogue,and improving theparticipation of commercial insurance institutions in the system.Key words:urban and rural residents;Serious illness insurance;Operation status