中国大病保险创新发展研究

Research on the Innovative Development of China's Critical Illness Insurance

2020年以来新冠肺炎疫情给世界医疗保障体系和经济社会发展带来了巨大冲击,敲响了人类生存发展的警钟。在后疫情时代,如何通过创新发展中国城乡居民大病医疗保险,补充完善多层次医疗保障体系,保障国民福祉及经济发展,对抗日趋复杂的世界疫情成为热点课题。本文立足疫情常态化对保险业的影响,分析了中国城乡居民大病医疗保险的发展现状、机遇和挑战,从“新理念、新模式、新科技”出发,对中国城乡居民大病医疗保险的创新发展提出了一系列政策建议,以期打造“新使命、新动力、新愿景”的大病保险,不断提升我国的医疗保障能力,巩固经济社会发展的“护城河”。

Since 2020,the COVID-19 epidemic has brought a tremendous impact on the world's medical security system and economic and social development,and has sounded the alarm for human survival and development.In the post-epidemic era,how to supplement and improve the multi-level medical security system,ensure the well-being of the people and economic development,and combat the increasingly complex world epidemic through innovative development of China's urban and rural residents'critical illness insurance has become a hot topic.Based on the impact of the normalization of the epidemic on the insurance industry,this article analyzes the development status,opportunities and challenges of China's urban and rural residents'critical illness insurance,proposes a series of policy recommendations for the innovative development of China's urban and rural residents'critical illness insurance based on"new concepts,new models,and new technologies",so as to create a"new mission,new motivation,and new vision"critical illness insurance,continuously improve China's medical security capabilities,and consolidate the"moat"of economic and social development.