适应保障需求 统一委托管理——云南省城镇居民大病补充保险的实践探索

Explore and Practice of Basicmedical Insurance for Urban Residents,Yunnan Province

2009年云南省城镇居民人均可支配收入14424元,按照6倍水平,最高支付限额要达到86544元,而本省城镇居民基本医保实际最高支付限额平均仅为23000元,距6倍还差63544元。因此,建立居民大病补充保险,是参保居民的现实需求和国家的政策要求。采取统一委托管理模式,是引入商业保险机构参与管理的一条创新之路。

Urban per capita disposable income is 14424 yuan of yunnan province,2009.The highest pay limitation of basic medical insurance for urban residents is 23000yuan on average. It also has the very big disparity from the goals of health reform.So it is the requirements of national policy and realistic demand of Insured urban residents to establish supplementary medical insurance, in a creative way,the commission for management the supplementary medical insurance will be given to the Business insurance company.