我国农村大病统筹医疗保险政策与关键技术研究的意义和背景

因病致贫问题 影响着我国农村地区的稳定。农村居民因病致贫的主要原因有两个：就医保障水平下降和就医经济宛险急增。因此，解决农村居民因病致贫的基本思路为，控制医疗费用过快增长以降低农村居民的就医经济风险，建立和完善医疗保障体制以增加农村居民的抗就医经济风险的能力。在医疗费用得以控制的前提下，“大病统筹”保险是目前及今后一段时期内增加农村居民抗就医风险能力的可行和适宜方案。如何让基层决策者理解因病在题的

The Background of Researching Key Techniquse and Operative Steps of Ru- ral Catastrophic Medical Insurance in China

This paper presents a significance and background of researching key techniques and operative steps of rural catastrophic medical insurance(CMI)in china. It is evident that the issue of "Impoverished Residents from Sickness "has influenced the social stability in rural areas. The"Phenomenon of Impoverished Rural Residents from Sickness "was caused ty two major factors, the lack of medical security system and a higher financial risk to seek medical care services. Therefore ,the essential strategies to solve the "Phenomenon of Impoverished Rural Residents from Sickness "are to control the increasing medical expenditure and to improve the medical security system. Reseach shows that the CMI seems a practicable scheme to improve social medical security of rural residents in China. However,while a practicable CMI scheme can be made,the following key techniques should be studied and provided,such as measure of financial risk,poverty,critical standards of financial risk,definition of catastrophic threshold,contribution rate-making,and restrictive conditions,et al. These tecniques are integrated into the prototype of CMI that aims to solve the social problem of impoverished rural residents from sickness.