Operational Analysis on Critical Illness Medical Insurance for Rural Residents
- VernacularTitle:农村居民大病保险的运行分析
- Author:
Bin CHENG
1
Author Information
- Keywords: rural resident; New Rural Cooperative Medical Scheme; critical illness medical insurance
- From: Chinese Health Economics 2018;37(4):25-27
- CountryChina
- Language:Chinese
- Abstract: The premium of Critical Illness Medical Insurance(CIMl) for rural residents were allocated from the funds of New Rural Cooperative Medical Scheme(NCMS).Through analyzing operational condition of CIMI for rural residents,it found that not only did the CIMI effect the insurance level of NCMS,but also it had limited insurance effect,the self-paid economic burden of rural patients with critical illness was still heavy.Therefore,it suggested to define the function allocation of CIMI,set up financing mechanism and management mechanism which would be suitable.Since CIMI was supplemental medical insurance,it needed to set up independed financing mechanism.Since CIMI was basic medical insurance,it needed to set up the integrated management mechanism of basic medical insurance and CIMI.In the integrated process of Urban and Rural Basic Medical Insurance and CIMI,varied financing mechanism could be set up to promote the equity of CIMI.
