The Sustainable Development of City-Customized Medical Insurance:Challenges and Suggestions
As"Healthy China"has risen to the height of national strategy,city-customized medical insurance(here-inafter referred to as"Huiminbao"),as a supplementary layer of medical security,is playing an increasing important role in the construction of China's multi-level medical security system.Judging from the development process in recent years,Huiminbao has the characteristics of low participation threshold and wide coverage,which has effectively alleviated the bur-den of excessive medical expenses for serious illnesses on insured persons.However,under the background of people's in-creasing medical needs,how to maintain the sustainable and stable operation of Huiminbao has become an important prob-lem to be solved at this stage.This paper introduces the development of Huiminbao in different cities from three aspects:par-ticipation,compensation and product condition,and analyzes the factors that affect the sustainable development of Huimin-bao.On this basis,this paper recommends that the government and insurance companies clarify their respective responsibili-ties in terms of product design,publicity,and information disclosure.By adopting the model of paying according to the dis-ease group based on DRG/DIP,maximize the satisfaction of the insured,thereby increase the participation rate,stabilize the compensation rate and lay a solid foundation for the realization of common prosperity.
city-customized medical insuranceinclusive insuranceDRG/DIP
NETL
NSTL
万方数据
