Rise this month, jilin province is new farming add up to a serious illness to be sure to begin formally to submit an expense account, jiangsu, Anhui is started new farming add up to a serious illness the most popular norton internet antivirussafe and pilot. On July 21, the reporter learns from authoritative channel: Since a serious illness of urban and rural last year in August dweller is sure to coach the opinion is promulgated, exceed the executive method be born of 23 province, the province such as Qinghai, Shandong has realized complete province to move. Of patient of a serious illness submit an expense account scale can achieve 60% above basically, be as high as 80% even, beneficiary beneficiary counts more than 90 thousand person-time. Carry out method arrangement according to each district, predict hopeful implementation the whole people was enclothed basically 2015.
Is patient of a serious illness decreased was lost?
Submit an expense account scale not under 50% , cost signs up for higher morer
A serious illness of urban and rural dweller is sure to devote oneself to to reduce burden of patient of a serious illness, protect to basic medical service after submitting an expense account close compasses pay fee oneself, undertake again not under of 50% submit an expense account, do not let a patient send deficient due to illness. Ginseng protect (close) the person does not need extra pay cost, cost signs up for higher morer.
This is one Xiang Huimin's policy. Tang Jun of secretary-general of research center of policy of society of the Chinese Academy of Social Sciences, researcher thinks: "New farming close, dweller cure protects town to submit an expense account actually scale is about 50% , that is to say, after treating disease, you can submit an expense account only half. Once got a serious illness, pay a part absolute amount oneself bigger, average person bears hard. The complement that passes a serious illness of insurance company agency is safe, in what remain 50% in sign up for again 50% , make of whole submit an expense account scale is achieved 70% the left and right sides. Make of whole submit an expense account scale is achieved 70% the left and right sides..
Distribute news dispatches up to the reporter, more than 23 province came on stage to carry out detailed rules, average per capita raises fund the level is in 20 yuan of above, all ask clearly to submit an expense account actually scale not under 50% . Press this computative, patient of a serious illness submits an expense account actually scale will rise apparently.
Comparative each district carries out method discovery, the average per capita of each district raises fund object of level, safeguard, submit an expense account catalog, submit an expense account method all different, the line pays since, seal top line to set a requirement differ also. For instance a serious illness of Qinghai is sure to face ginseng protect (close) urban and rural dweller, and Shandong is to face new farming close ginseng join a person; Jiangsu is pilot area average per capita raises fund 17.5 yuan, remove those who pay line minimum to be 6000 yuan, highest it is 17000 yuan, shandong is new farming add up to year of insurance of a serious illness to seal top line to be 200 thousand yuan. These difference cause each district to submit an expense account actually scale difference is bigger. On the whole, the burden of patient of a serious illness will be compared before carrying out, reduce apparently.
A serious illness is safe when can the whole people is enclothed, let patient of countrywide a serious illness you can be benefited from which? According to the arrangement of each district, pushed in complete province 2015 mostly carry out, a serious illness of will basic implementation is safe after predicting two years the whole people is enclothed.
Zhang Shuo of expert of advanced and wholesome economy says world bank: "The watch case manufacturerdisastrous defray that the disease causes, have the quality of communal product, answer to be sure to assume by the society. The current practice on international is to the disease defray is established stop damage site, join those who protect a person to see a doctor to pay charge to reach certain level oneself namely, the cost that increases newly was assumed entirely by insurance. Our country shows what some basic medical service protect to raise fund the level still cannot prop up such safeguard, because this considers to establish insurance of a serious illness and safeguard of a serious illness, also be one kind transfers method. Also be one kind transfers method..
spring poolHow to join the rights and interests that keep a person to ensure?
Undertake by insurance company, service ability must rise
According to system arrangement, a serious illness of urban and rural dweller is sure to undertake by commercial insurance company. From each district executive method looks, all undertake clearly by commercial insurance company, the province such as Qinghai, Shandong, Chongqing is in through making public invite public bidding complete province reachs two to reach above insurance company certainly, clear and divisional region undertakes, produced the emulative effect of the market. Other province undertakes invite public bidding for the unit with pilot area mostly. Commercial insurance company is filled with interest rate to ask control is in basically in those days raise fund of amount 3% to 5% between.
A lot of people are experienced somewhat to the service ofharrison hot spring deal commercial insurance company, cast for instance it is difficult to protect easy manage compensate. So can be insurance company protected ginseng protect (close) legitimate rights and interests of the person?
Professor of university economy college, wholesome economy and medical treatment lthe best selling watch caseseave to ensure Zhu Ming of research center director to think south, inside industry ofharrison hot spring public pool current home insurance, actual strength the big company with strong, excellent management really too littlethe most popular selling norton internet antivirus. If want to undertake,a serious illness is sure, superintendency branch is aptitude, accurate to its introductory cage due higher demand, in order to prevent malign competition. In the meantime, return the compensatory mechanism that should make clear fund, make thereby of insurance company move to be not exited because of to be managed continuously hard midway.
Tang Jun puts forward to should be passed superintend, contract agreement, make of patient of a serious illness submit an expense account convenience, quick. In the meantime, form forestall to prevent a company, should introduce market mechanism, make each patient can have the room of the choice.
This year in March, the meeting that keep watch releases special superintendency measure, specific insurance company undertakes the doorsill with safe a serious illness, aptitude, must run healthy insurance conwatch case openertinuously in Chinese churchyard for instance special business 5 years of above; Besides professional healthy danger corporation, the enrollment of danger look forward to capital not under the RMB 2 billion yuan or inside nearly 3 years net assets all not under the RMB spring pool5 billion yuan; In the meantime, to insurance company close compasses manage, special government, essence calculated the rthe most popular north face shirtsespect such as network of technology, service to make specific provision, also made a provision to exiting case. In April, published 34 insurance company list that have management aptitude.
Does insurance fund use 3 years quite only?
Current surplus still is used quite, need those who build stability to raise fund channel
Somebody is judged, cure of existing a serious illness keeps fund, if do not have additional investment, lean only current new farming close, the management balance that dweller cure maintains, use 3 years quite only. In aged accelerate, medical treatment demand of change quickly of technology of exuberant, medicine today, the safeguard form that this kind of higher specified number spends, can you put in overdrawing risk?
Zhu Ming will think, the course concerns preliminary Kuang Suan of the branch, according to current fund balance level, should assume. But this is calculated merely from countrywide gross, difference is bigger between our country area, new farming close, the difference that dweller cure keeps is bigger also, still need to control cost, the financing channel with new at the same time open up, increase individual capture to expend finance of amount, appropriate for instance special fund.
Zhu Ming will once had calculated the moving risk of fund of insurance of a serious illness, result discovery, in maintain current economy growth, basic medical service to protect fund to raise fund below stable circumstance, a serious illness of combinative each district seals top line to retain than basic medical service a promotion, but submit an expense account limits still is controlled protect in basic medical service submit an expense account the reality inside catalog, although current fund balance is used quite, but face long-term risk.
He suggests, refine the standard of disastrous defray, have the multitude dividing shelf by income, the setting is different case pay line, compensate rate, execute poor dissimilation to manage, make crowds of those truly weak force get more effective safeguard. In the meantime, rise as a whole administrative levels, produce the effect of law of large number better. Additional, proposal insurance company is annual issue risk of a disease to analyse a report, in order to determine logical clinical way and pay, control the malign growth of charge of excessive medical treatment.
Tang Jun says: "The medical treatment of each district is sure or the situation of income of cooperative medical treatment is different, use case is different, the situation of balance is different also, may appear difference. Accordingly, should be after the time with be carried out proper, adopt method to adjust according to accumulated experience. Adopt method to adjust according to accumulated experience..
University of Hua Zhongke ability returns the reform of afraid and public hospital to did not reach the designated posimodern dining chairstion completely with Yao Lan of professor of aid college of medicine, the public hospital that still exists " with medical filling medical service " meeting " fill " piece a lot of not should some expenditure. "This meeting affects the use efficiency of capital conversely. " she suggests to accelerate public hospital reform, control unreasonable expenditure.
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