我国农村居民大病医疗保险的发展趋势  

Development trend regarding critical illness insurance for rural residents in China

作　　者：程斌[1] 

机构地区：[1]卫生部卫生发展研究中心,北京100191

出　　处：《中国农村卫生事业管理》2014年第9期1051-1054,共4页Chinese Rural Health Service Administration

摘　　要：新农合重大疾病医疗保障和城乡居民大病保险分别按病种和医疗费用来划分大病,并予以特殊的补偿政策。文章通过回顾两项制度的推进情况,分析比较两项制度的不同特性和推进中潜在问题,认为新农合重大疾病医疗保障是新农合制度的一部分,为基本医疗保险,而城乡居民大病保险为补充医疗保险;并探析了建立多渠道大病保险筹资机制的必要性,以及逐步实现新农合重大疾病医疗保障和大病保险并轨运行是我国农村居民大病保险的发展趋势。The critical illnesses medical insurance（CIMI）under New Rural Cooperation Medical Scheme（NRCMS）improves the reimbursement level for rural residents suffering from several kinds of critical illness.The unified critical illness insurance for urban and rural residents（UCI）initiated in 2012 reimburses large amount of medical out-ofpocket costs under the basic medical insurance.Through reviewing the progress of CIMI and UCI,this paper analyzed different characteristics and potential problems of two systems.Based on the analysis,CIMI,apart of NRCMS,should be classified as the basic medical insurance,while UCI was classified as the supplementary medical insurance.It is necessary for UCI development to establish multi-channel fund-raising mechanism.The gradual integration and unification of two systems should be the development trend of critical illness insurance for rural residents in China.

关 键 词：新型农村合作医疗 大病保险 补充医疗保险 

分 类 号：F842.6[经济管理—保险] R197.1[医药卫生—卫生事业管理]