提高湖南省大病保险制度运行效率的系统思考

湖南省在大病保险制度建设及其运行方面成绩显著,但也存在各地市筹资与赔付标准差异性不够、省级相关政策执行尺度不一、商保机构托管优势没有真正发挥出来等不足之处。基于湖南省大病保险运行效率的提升,文章提出建立多元化、差异化的筹资机制,多途径提高城乡居民大病保障水平,进一步完善制度和政策的顶层设计,运用多种机制发挥商保机构承办大病保险优势等建议。

Hunan province has made remarkable achievements in the construction and operation of the serious disease insurance system.However,there are also insufficient differences in financing and compensa⁃tion standards in various cities,different implementation scales of provincial relevant policies,and the trustee⁃ship advantages of commercial insurance institutions have not really played out.Based on the improvement of operation efficiency of serious disease insurance in Hunan Province,this paper proposes to establish diversi⁃fied and differentiated financing mechanisms,improve the level of serious disease insurance for urban and ru⁃ral residents through multiple ways,further improve the top-level design of systems and policies,and make use of various mechanisms to give full play to the advantages of commercial insurance institutions in undertak⁃ing serious disease insurance.