湖州市城乡居民大病保险制度试点情况及对策建议

Introduction of Pilot Critical Illness Insurance System for Urban and Rural Residents in Huzhou and Its Countermeasures

大病保险是健全多层次医疗保障体系,有效提高重特大疾病保障水平的重要手段。湖州市作为浙江省城乡居民大病保险工作两个试点城市之一,于2013年1月先行建立了大病保险制度,运行效果良好,有力地缓解了参保人员"因病致贫、因病返贫"现象。但还存在着大病概念较模糊、制度设计不完善等问题,应进一步强化与保险公司合作、完善相关制度设计,这样才能更好地实现大病保险制度的预期目标。

Critical illness insurance is an important strategy to perfect multi- level medical system, which can effectively improve the level of medical security of the critical illness. As one of the two pilot cities to carry out the serious illness insurance for urban and rural residents in Zhejiang province, the medical care insurance system of Huzhou was established in January 2013 in advance. Evidently, the program runs well and powerfully alleviate the personnel＇s suffering and poverty caused by illnesses. In the article we would offer a proposal of strengthe- ning the cooperation with insurance company and improve the relative regulation design from the practical operation, the concrete result and the innovation as well as the difficulties.