【摘要】：基于我國的基本醫(yī)療保障水平還不高、民眾醫(yī)療費用個人承擔(dān)特別是大病醫(yī)療個人承擔(dān)費用較多、急需建立系統(tǒng)全面的重特大疾病相關(guān)保障制度的國情,2012年,國家發(fā)改委等其他六個相關(guān)部門共同發(fā)布了《關(guān)于開展城鄉(xiāng)居民大病保險工作的指導(dǎo)意見》,提出要開辦大病保險,即采取簽訂合同經(jīng)辦的方法使保險公司參與到醫(yī)保體系構(gòu)建中,從而達(dá)到通過保險產(chǎn)品提供服務(wù)的目的。2012年11月,錫林郭勒市衛(wèi)生局與人保財險錫林郭勒市分公司進(jìn)行簽約,該協(xié)議的簽署標(biāo)志著內(nèi)蒙古自治區(qū)首次引入商業(yè)保險機制參與新型農(nóng)牧區(qū)合作醫(yī)療大病補充保險。2013年6月,為減少人民群眾突發(fā)大病后發(fā)生的高額醫(yī)療費用,避免醫(yī)保參保人群因為大病導(dǎo)致或重返貧困的情況,根據(jù)指導(dǎo)意見文件精神,研究了地區(qū)實際情況,經(jīng)自治區(qū)政府決策,決定在呼和浩特市等6個盟市開展內(nèi)蒙古大病保險試點工作。2015年6月底,內(nèi)蒙古自治區(qū)全區(qū)12個盟市全部開展了城鎮(zhèn)居民大病保險,實現(xiàn)了城鎮(zhèn)居民大病保險在內(nèi)蒙古自治區(qū)的全覆蓋。基于此,本研究通過對我國現(xiàn)階段城鄉(xiāng)居民大病保險產(chǎn)生背景、發(fā)展現(xiàn)狀和重要意義的進(jìn)一步梳理總結(jié),特別是在對全國較早參與試點工作的內(nèi)蒙古自治區(qū)進(jìn)行調(diào)研和考察的基礎(chǔ)上,對目前城鄉(xiāng)居民大病保險開展現(xiàn)狀進(jìn)行深入研究,試圖在有效借鑒國內(nèi)外典型地區(qū)有益經(jīng)驗的基礎(chǔ)上,對內(nèi)蒙古自治區(qū)城鄉(xiāng)居民大病保險的下一步健康可持續(xù)發(fā)展提出建議。
[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.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.684

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