Health: let a serious illness medical insurance release more kindness

LiaoHaiJin (civil servants)

Sources: health

        From the ministry of health, said sources in 2013, China's rural medical security key to transfer a serious illness. Lung, stomach and all kind of disease into a serious illness security category, submit an expense account proportion is not less than 90%, the new agriculture $per capita funding level will reach 340 yuan, new agriculture joint capital amount increased to 270 billion, some rural areas has become a serious illness patients benefit. (January 17, "xinhua daily telegraph")

        However, should see is a serious illness, medical insurance while in the release of more and more big policy goodwill, but still only to a certain extent, ease the doctor expensive, and the practical needs of people also has the very big disparity. According to relevant aspects of the explanation, chose these serious diseases, mainly because the number of people affected more, and clinical path clear, cost control, definite effect. From a serious illness medical security system perspective, there are still some problems that cannot be ignored and worry.

        First, what is a serious illness medical insurance? The scope of protection should have how old? From eight kind of disease spread to 12, from 12 added to twenty kinds, looks serious illness medical insurance system security is a serious illness, through the more diseases included in the scope of protection to reduce the burden of the public. But the reality is complicated: some does not "big" diseases, due to various reasons lead to higher cost of treatment; Some chronic diseases need long-term treatment, spending also is very big, such as mental illness, chronic infectious diseases, etc.; Some disability disorder treatment costs are very high, but not twenty kinds of serious illness list...

        In fact, last year on the urban and rural residents to carry out a serious illness insurance work instruction opinion "post cure of the state council special emphasis on the run, a serious illness medical insurance system refers to the" serious ", and not medical disease concept, with "family catastrophic medical spending" as the standard, our country's serious illness medical insurance of the "serious" should be refers to the medical treatment charge higher disease, not only refers to serious diseases, it is to point to cost, not a disease. It is obvious that in treatment used to define "serious", its security is wider, more can take care of to all kinds of situation, the audience a wider and more can effectively reduce the burden of the public.

        Secondly, this policy the biggest worry is that in a serious illness medical insurance specific implementation, may appear "good scriptures slanting" phenomenon. In the specific treatment of a serious illness, some hospitals on drugs, mostly is not within the scope of medical insurance can submit an expense account, and higher cost. And within the scope of the medical insurance can submit an expense account designated drug, or that have been out of date, otherwise is side effect is larger. As media comment has pointed out: "in health care, the patient can't stand designated medicine health care; not designated medicine, cost can't stand, let a person ravel." Then, the original to spend a little, they can cure disease, incorporate the medical insurance, medical expenses with a rising tide lifts all boats, even expense actually also does not have reduce the burden of the people. Especially, it is worth noting, this not less than 90% of the reimbursement ratio, and is not unconditional, usually need to in a designated hospital. To the new agriculture joint benefit group is concerned, its designated hospitals are often township health center or hospital at or above the county level, and this kind of hospital medical basic conditions are often limited, especially for lung cancer, gastric cancer and other kinds of serious illness heal, it often ability not equal to one's ambition. While patients with once to higher hospital, or beyond the designated hospital medical insurance scope, the reimbursement ratio will be greatly reduced, and even not to submit an expense account.

        Thus, a serious illness of the medical insurance system we space is very big still, still need to introduce more updated version. As long as we face these problems and concerns, we all take for refers to be, there is reason to believe that a serious illness medical insurance the policy kindness will have a greater degree of release, let people really enjoy the medical reform brings bonus.

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