推进我国大病保障制度建设工作的思考与设想

Thoughts and conceiving on promoting catastrophic disease insurance system construction in China

重大疾病卫生支出是造成人民群众因病致贫、因病返贫的重要原因之一。2012年8月24日,国家发改委、卫生部等六部委联合印发了《关于开展城乡居民大病保险工作的指导意见》,明确要进一步完善城乡居民医疗保障制度,有效提高重特大疾病保障水平。本研究在介绍国内外大病保障制度建立和实施情况的基础上,分析我国目前大病保障工作存在的问题,结合我国建立大病保障制度的经济、政策可行性等内容进行分析,提出推进大病保障制度建设工作的相关建议:在现有基本医保制度的基础上,推进大病保障制度建设;探索多种形式互补的大病保障工作模式;结合基本医保基金承载能力建立大病保障基金;以大病保障制度建立为契机,稳步推进我国医疗保障管理体系建设工作。

Contraction of a catastrophic disease is one of the main reasons people fall into poverty. On August 24, 2012, the National Development and Reform Commission, the Ministry of Health, and six other ministries issued ＂Guidance to carry out the work of catastrophic disease insurance for urban and rural residents＂ expressly to further improve medical security system for the urban and rural residents, effectively improve the extraordinarily catastrophic disease protection level. We studied current problems in catastrophic disease insurance at home and abroad to deter- mine whether similar problems might arise under the policies and socio - economic conditions of China. We propose constructing a catastrophic disease insurance system based on the existing basic medical insurance system and explo- ring various forms of complementary protection. We also propose expanding the carrying capacity of the basic medical insurance fund to accommodate catastrophic disease insurance. There is an opportunity to establish a catastrophic dis- ease insurance system and steadily improve health care management.