金华市建立“选缴保费法”大病保险制度的探索

Exploration On The Establishment Of Serious Illness Insurance System By Selective Premium Method In Jinhua

2013年7月,金华市区、义乌市在浙江省率先建立大病保险制度,并在2015年底初步建立了以县(市)为统筹单位、覆盖城镇职工和城乡居民的大病保障体系,一定程度上减轻了群众大病负担,但由于筹资水平低、起付线高,大病保险保障水平不平衡不充分。2017年12月底,金华市建立了覆盖全民、全市统一的大病保险制度,并创新设置选缴部分,提高了筹资水平和参保群众的医疗保障水平。

In July 2013,Jinhua and Yiwu took the lead in establishing a serious illness insurance system in Zhejiang Province.At the end of 2015,a serious illness insurance system covering urban workers and urban and rural residents was initially established with counties(cities)as the overall planning unit.To a certain extent,this system has reduced the burden of serious diseases on the masses.However,due to the low level of fi nancing and the high threshold,the level of serious illness insurance is unbalanced and inadequate.At the end of December 2017,Jinhua established a unifi ed serious illness insurance system covering the whole people and the whole city,and innovatively set up the optional payment part,which improved the fi nancing level and medical security level of the insured people.