防范因病致贫需要医保多层次整体发力——以浙江省义乌市为例

Preventing Poverty Caused by Illness Need Multi-level Joint-force of Medical Insurance——the Practice of Yiwu

义乌市实施大病保险三年来,通过政策调整,保障对象的精准度和保障水平明显提升,但仅靠基本医保化解因病致贫、因病返贫风险不符合基本医保"保基本"的方针,需要发挥多层次的整体合力,即基本医保+大病保险+商业保险+医疗救助+残联补助+慈善救助等。同时,要准确界定重特大疾病,既不能范围过宽,也要有可及性。

The critical illness insurance has been implemented for three years in Yiwu. Through policy adjustment, the level of accuracy in identifying right candidates and the level of security have been improved signifi cantly. To address the risk of poverty and returning to poverty caused by illness, the basic medical insurance alone is not suffi cient because of its principle of ＂basic security＂. We need to integrate multi-level policies and measures, namely, basic medical insurance ＋ critical illness insurance ＋ commercial insurance ＋ medical aid ＋ disabled allowance ＋ charity aid and other assistance. At the same time, we should accurately defi ne the major diseases, which should be neither too broad nor without accessibility.