宁夏城乡居民大病保险运行分析.pdfVIP

…… I I I @ 专题分析 - 宁夏城乡居民大病保险运行分析 王永超 (宁夏回族自治区社会保险事业管理局银)1) 750001) 【 摘要 】 享受大病保险待遇的 2.87 万人次，平均每人次得到大病保险补偿 5332 元。 在一定程度上起到 了支样其继续治疗的作用，重大疾病人员的就医压力有所缓解。 存在的问题是统筹层次低;经办管理运行 不顺畅，效率低，成本高;监管能力不足，商保公司优势未显现;保障范围过宽;部分重特大疾病患者个 人负担仍然较重。 建议提高统筹层次;重新审视大病保险定位 ; 大力发展商止健康保险，建立多层次医疗 保障体系。 关键词 】 大病保险;效采;问题;对策建议 I 【 中国分类号】 F840.684 C913.7 【文献标识码】 A 【文章编号] 1674-3830 ( 2016) 6-35-4 doi:l0.369/j .issn.1674-3830.2016.6.007 Analysi~ on the Ol)eration of Selious Illnes，~ In.~ur咽lce fol Ulban 拙1(1 Rural Residenb of NiI制a WangYo吨chao(Social 1nsural1ce Business Administrative Bmeau ofNi耶ia Hui Autonomous Region, @ Yinchuan, 750001) @ ( Abstract 1n Ningxia, there are 28700 patients enjoying serious illl1ess il1surance treatment , with an average compensation of 5332 yuan per patient. To ce11ain extent, this compensation has played a role in supporting continuous treatment , and reduced the pressme of medical trea他lent. However, there are still problems such as low level overall planning, poor pelfolmance in handling and management with low efficiency and high ∞悦， lack of supervision, failure for commercial insural1ce companies to show the advantage, too broad covel咱e， and still heavy personal bmden of serious disease. 1n this paper, we proposed improving the overalllevel of