内蒙古城乡居民大病保险制度研究

发布时间：2018-07-17 19:38

【摘要】：基于我国的基本医疗保障水平还不高、民众医疗费用个人承担特别是大病医疗个人承担费用较多、急需建立系统全面的重特大疾病相关保障制度的国情,2012年,国家发改委等其他六个相关部门共同发布了《关于开展城乡居民大病保险工作的指导意见》,提出要开办大病保险,即采取签订合同经办的方法使保险公司参与到医保体系构建中,从而达到通过保险产品提供服务的目的。2012年11月,锡林郭勒市卫生局与人保财险锡林郭勒市分公司进行签约,该协议的签署标志着内蒙古自治区首次引入商业保险机制参与新型农牧区合作医疗大病补充保险。2013年6月,为减少人民群众突发大病后发生的高额医疗费用,避免医保参保人群因为大病导致或重返贫困的情况,根据指导意见文件精神,研究了地区实际情况,经自治区政府决策,决定在呼和浩特市等6个盟市开展内蒙古大病保险试点工作。2015年6月底,内蒙古自治区全区12个盟市全部开展了城镇居民大病保险,实现了城镇居民大病保险在内蒙古自治区的全覆盖。基于此,本研究通过对我国现阶段城乡居民大病保险产生背景、发展现状和重要意义的进一步梳理总结,特别是在对全国较早参与试点工作的内蒙古自治区进行调研和考察的基础上,对目前城乡居民大病保险开展现状进行深入研究,试图在有效借鉴国内外典型地区有益经验的基础上,对内蒙古自治区城乡居民大病保险的下一步健康可持续发展提出建议。
[Abstract]:In view of the fact that the level of basic medical security in our country is still not high, and that the individual medical expenses of the people bear more expenses, especially those who are seriously ill, there is an urgent need to establish a systematic and comprehensive safeguard system for serious and serious diseases. In 2012, Six other relevant departments, including the National Development and Reform Commission, jointly issued the "guiding opinions on the Development of serious illness Insurance for Urban and Rural residents," proposing to launch serious illness insurance. That is, by signing a contract, the insurance company will participate in the construction of the medical insurance system, so as to achieve the purpose of providing services through insurance products. In November 2012, the Xilinguole Municipal Health Bureau signed a contract with the PICC property Insurance Company in Siringor. The signing of the agreement marks the first time that the Inner Mongolia Autonomous region has introduced a commercial insurance mechanism to participate in supplementary insurance for the new type of cooperative medical care in agricultural and pastoral areas. In June 2013, in order to reduce the high medical costs incurred by the people after a sudden serious illness, In order to avoid the situation in which the insured population of health insurance will return to poverty as a result of serious illness, according to the spirit of the guidance document, the actual situation in the region has been studied, and the decision made by the autonomous region government has been made. It was decided that the pilot work of serious illness insurance in Inner Mongolia should be carried out in six league cities, including Hohhot. By the end of June 2015, all 12 cities and cities of the Inner Mongolia Autonomous region had carried out insurance for serious illness among urban residents. It has achieved full coverage of urban residents' serious illness insurance in Inner Mongolia Autonomous region. Based on this, this study summarizes the background, current situation and significance of the serious illness insurance of urban and rural residents in China. In particular, on the basis of the investigation and investigation of the Inner Mongolia Autonomous region, which participated in the pilot work earlier in the country, the current situation of serious illness insurance for urban and rural residents is deeply studied. Based on the useful experience of typical regions at home and abroad, this paper tries to put forward some suggestions for the next step of health and sustainable development of urban and rural residents' serious illness insurance in Inner Mongolia Autonomous region.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.684

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