大病保險(xiǎn)發(fā)展存在的問(wèn)題及對(duì)策

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1、東莞理工學(xué)院城市學(xué)院本科畢業(yè)論文畢業(yè)論文題目：大病保險(xiǎn)發(fā)展存在的問(wèn)題及對(duì)策——以河北省為例學(xué)生姓名：XXX學(xué)號(hào)：XXXXXXXXXXXXX系別：XXXXXXXXXXXXX專(zhuān)業(yè)班級(jí)：XX級(jí)XXXX班指導(dǎo)老師姓名及職稱(chēng)：XXX講師起止時(shí)間：2016年12月——2017年5月摘要國(guó)務(wù)院六部委于2012年8月30日共同發(fā)布了《關(guān)于開(kāi)展城鄉(xiāng)居民大病保險(xiǎn)工作的指導(dǎo)意見(jiàn)》，明確規(guī)定了城鄉(xiāng)居民大病保險(xiǎn)的大致框架，保障對(duì)象為城鎮(zhèn)居民基本醫(yī)療保險(xiǎn)、新型農(nóng)村合作醫(yī)療的參保群眾，在政府的引導(dǎo)下，支持商業(yè)保險(xiǎn)公司向其購(gòu)買(mǎi)大病醫(yī)巧保險(xiǎn)，當(dāng)大病患者治療時(shí)產(chǎn)生了大額醫(yī)療費(fèi)用時(shí)，獲得商業(yè)保險(xiǎn)

2、機(jī)構(gòu)城鎮(zhèn)居民基本醫(yī)療保險(xiǎn)或新農(nóng)合報(bào)銷(xiāo)完成后，對(duì)于個(gè)人所需支付的合規(guī)費(fèi)用進(jìn)行二次報(bào)銷(xiāo)。本文開(kāi)篇闡述了城鄉(xiāng)居民大病保險(xiǎn)制度所涉及的具體操作過(guò)程，并對(duì)大病醫(yī)療保險(xiǎn)的特性以及可持續(xù)性?xún)?nèi)容進(jìn)行了簡(jiǎn)要介紹，通過(guò)從參保人數(shù)、城鄉(xiāng)人口分布與個(gè)人分配收入、資金來(lái)源和籌資標(biāo)準(zhǔn)、大病保險(xiǎn)基金未來(lái)支付能力預(yù)測(cè)等方面、進(jìn)行對(duì)河北城鄉(xiāng)居民大病保險(xiǎn)發(fā)展現(xiàn)狀及政策實(shí)施情況進(jìn)行介紹,并整合分析河北城鄉(xiāng)居民大病保險(xiǎn)相關(guān)數(shù)據(jù)，得出下四個(gè)有針對(duì)性的建議：各級(jí)政府進(jìn)一步加強(qiáng)大病保險(xiǎn)工作的組織協(xié)調(diào)；監(jiān)管部門(mén)進(jìn)一步加快大病保險(xiǎn)的監(jiān)管制度建設(shè)；保險(xiǎn)公司進(jìn)一步加強(qiáng)承辦大病保險(xiǎn)的專(zhuān)業(yè)基礎(chǔ)建設(shè)。關(guān)鍵詞：大病保險(xiǎn)

3、河北省對(duì)策ABSTRACTSixministriesoftheStateCouncilonAugust30,2012jointlyissued"guidanceonregardingthedevelopmentofurbanandruralresidentsillnessinsurancework,definedthegeneralframeworkofurbanandruralresidentsillnessinsurance,guaranteeforbasicmedicalinsuranceforurbanresidents,thenewruralcoo

4、perativemedicalinsurancegroup,undertheguidanceofthegovernment,tosupporttheBusinessinsurancecompanytobuymedicalinsurancetoQiaoillnessthepatientshadaseriousillnesswhenlargemedicalexpenses,commercialinsuranceinstitutionsofbasicmedicalinsuranceforurbanresidentsandthenewruralcooperative

5、medicalreimbursementafterthecompletionofthetworeimbursementforindividualsrequiredtopaythecostofcompliance.Thispaperelaboratestheconcreteoperationprocessofurbanandruralresidentsillnessinsurancesysteminvolved,andthecharacteristicsofmedicalinsuranceandthesustainabilityofthecontentsofa

6、briefintroduction,fromthenumberofinsurance,urbanandruralpopulationdistributionandthedistributionofpersonalincome,sourcesoffundingandfinancingstandard,seriousillnessinsurancefundfutureabilitytopayforforecast.ThecurrentsituationofthedevelopmentofHebeiurbanandruralresidentsillnessinsu

7、ranceandpolicyimplementation,integrationandanalysisofHebeiurbanandruralresidentsillnessinsurancerelateddataobtainedunderfourtargetedsuggestions:organizationandcoordinationatalllevelsofgovernmenttofurtherstrengthentheillnessinsurancework;supervisiondepartmentstofurtheraccelerateilln

8、essinsuranceTheconstructio