指导一些地方探索通过政府购买大病补充保险的方法

责任编辑:佚名     发表时间:2021-06-12 00:50     直接咨询专家 预约专家

Solve their financial difficulties; in addition,While improving cost-based fairness,Can be classified by disease type to improve accuracy.Wen Jianmin gave an example.

recent,An official from the Ministry of Health and Family Planning Commission System Reform said,After unremitting efforts,my country's critical illness insurance system has been developed from scratch.But judging from the implementation situation in various places,The funding standard for critical illness insurance is generally between RMB 25 and RMB 40.60,000 yuan."

.

It is reported that,Most places in my country have stipulated the upper limit of the reimbursement of critical illness insurance.The effect of this system will gradually appear.

in this regard,温建民建议As the level of financing increases,The reimbursement ratio should be increased year by year,Especially for some extremely poor people,Under special circumstances, the upper limit of reimbursement should not be a “one size fits all” 100% reimbursement.

Once severely ill, it will bring heavy pressure to the economy of ordinary families.But its cost is high,In addition to the medical insurance reimbursement part,I will spend tens of thousands of yuan, which is a heavy burden for rural families.Problems such as "poverty due to illness" and "poverty due to illness" appear."Relevant personnel of the Ministry of Health and Family Planning Commission system reform pointed out.In 2015,According to the experiment, Take the state as the leading factor,Promote nationwide,Further improve the protection level of critical illness insurance.The recently released "Thirteenth Five-Year Plan to Promote Equalization of Basic Public Services" also requires the full implementation of a major illness insurance system for urban and rural residents.The third is to summarize and promote local typical experiences,Combine poverty alleviation with health,指导一些地方探索通过政府购买大病补充保险的方法。

“一般来说,通过全面实施重大疾病保险,为城乡居民提供大病医疗费用的进一步保障,在某种程度上, 它可以解决由重病引起的贫困问题和重返贫困的问题, 群众抱怨强烈。 我国重大疾病保险制度赔付超过300亿元

据了解,重大疾病保险是基于基本医疗保险的。温建民 骨关节炎科主任 望京医院 中国中医科学院院士说。顾学飞指出。提高为有需要的人提供重大疾病保险的准确性。

此外,为了立即支付医疗费用,Wen Jianmin suggested,各个地区和部门的信息可以相互链接,并可以共享数据。首先是继续完善相关政策,采取诸如降低免赔额线, 增加报销比例, 并合理确定合规医疗费用的范围

统计显示,大病保险业务累计赔付超过300亿元。所以, 具体问题需要具体分析。二是积极促进医疗卫生机构与医疗保险机构之间的数据共享,促进重大疾病保险与基本医疗保险之间的有效联系, 医疗救助商业健康保险和其他安全系统。对于基本医疗保险报销后个人医疗负担仍然较大的城乡居民,合规部分的医疗费用补偿不得少于50%。为了进一步保护重症患者承担的高额医疗费用, 保险对象的制度安排是城镇居民医疗保险和新型农村合作医疗(合作)人员。

专家呼吁扩大重大疾病保险的社会融资渠道

(原标题:我国将提高为有需要者提供重大疾病保险的准确性)。从本地飞行员到全面部署,逐步扩大人口覆盖面,Continuously improve protection capabilities."In 2017,my country will ensure that the reimbursement ratio of basic medical insurance will not be reduced,Further improve the level of protection,Benefit the people, especially those in difficulties,Improve the accuracy of providing critical illness insurance for those in need."E.g, Lumbar spinal stenosis is a very common disease.In these cases,The maximum compensation is 111.Since my country launched its critical illness insurance pilot program in 2012,It not only alleviates the urgent needs of the masses,at the same time, Reduce the medical burden of those in need.Associate Researcher Gu Xuefei, National Health and Family Planning Commission Health Development Research Center, Introduction. For financing,Wen Jianmin suggested,In addition to the responsibilities of the government,Organizations or individuals who wish to carry out charitable activities in society can also join,This can expand the social financing channels for critical illness insurance. "The national major illness insurance system for urban and rural residents has been launched.

"Currently,my country has adopted many policies and measures to solve the cost burden of serious diseases of urban and rural residents: new rural cooperative medical insurance, Major illness insurance for urban and rural residents; and medical assistance for serious illnesses. Speaking of the future arrangements for my country's critical illness insurance work,Relevant personnel of the health and family planning committee system reform pointed out: In 2017,my country will coordinate basic medical insurance, Major illness insurance, medical assistance and other safeguards,Increase investment in impoverished areas,Efforts will be made to increase the reimbursement ratio for major diseases of the registered poor.

It is reported that,in 2012, Our country has begun to trial critical illness insurance.

Play an important role,Provide timely subsidies for critically ill patients.

据了解,重大疾病保险资金来自城镇居民医疗保险和新农村合作基金

“重大疾病保险是真实的,自大病保险制度建立以来,保护和筹资水平不断提高,解决许多重病家庭的经济负担。高医疗费用患者的风险负担仍然沉重。四是加强监督管理,规范商业保险机构承接服务,充分发挥商业保险的监管作用,有效控制医疗费用的不合理增长

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