我国大病医疗保险制度及其发展策略

大病医疗保险制度在分担医疗费用风险、减轻患者医疗负担方面发挥了重要作用。我国的大病医疗保险制度主要由新农合大病医疗保障、城乡居民大病医疗保险以及商业大病补充医疗保险组成。本文梳理了不同类型大病医疗保险的保障范围、本质属性、实施策略以及经办机构类型,并探讨了我国大病医疗保险制度的未来发展,建议从完善制度本身、提升管理能力和改善政策环境等方面加以改进。

China catastrophic disease insurance system and development strategy

Insurance has played a major role in spreading the cost risk of catastrophic disease and reducing the burden on patients. China＇s catastrophic disease insurance system includes the new rural cooperative catastrophic disease insurance system, the urban and rural residents＇ catastrophic disease insurance system, and the commercial catastrophic disease system. In this paper, different types of catastrophic disease insurances in terms of coverage, attributes, implementation strategy, and agency types are reviewed. Also the future development of catastrophic disease insurance is discussed. The following recommendations are put forward： improving the management of insurance systems by refining policies, improving management capacity and operating environment.