厦门市在1997年实施职工基本医疗保险制度时,同步为参保职工建立了大病保险制度,采用“政府主导、集体投保、市场化运行”的方式,由厦门市社会保险管理中心作为集体投保人,以参保职工作为被保险人,统一向保险公司投保大病保险,当参保职工发生超过基本医疗保险最高支付限额以上的医疗费用,由大病保险赔付,有效解决了参保职工大额医疗费用报销问题,开创了全国大病保险的先河。 Xiamen City, in 1997 when implementing the basic medical insurance system for workers, simultaneous establishment of a serious illness insurance system for insured workers, the use of “government-led, collective insured, market-oriented operation,” by the Xiamen Social Insurance Management Center as a collective The insured person takes the insured employee as the insured person and uniformly insures the insurer against insured illness. When the insured worker exceeds the maximum medical insurance coverage, he / she will be compensated by the serious illness insurance, which effectively solves the problem of large amount of insured workers Medical expenses reimbursement issue, creating a precedent for national disease insurance.