Research on the Reform of Raise Funds and Control Costs for Serious Illness Insurance / 中国卫生经济

ABSTRACT

Objective: To explore the measures of raising funds and controlling costs for serious illness insurance. Methods: Using Chinese Life Insurance as case study to analyze the dilemma and causes of the insurance company to carry out the serious illness insurance business. Results: Practice of more than 1 year shows that , whether raise funds or control costs of medical care, the construction of a new mechanism and new measures are in urgent needs under the background of wide losses in serious illness insurance. Conclusion: Since the financing channels is single and financing level is low, it is necessary to aim at “raising the level of financing, broadening the financing channels” to regulate construction financing mechanism. According to the high rapid of medical expenses growth situation, it is needed to start from reforming the property right structure of hospital, reform the medicine circulation mode, pricing mechanism, reform of pay system and so on, to control medical cost and improve efficiency in the use of funds.