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2012年8月,国家发展改革委等六部委共同发布《关于开展城乡居民大病保险工作的指导意见》(以下简称“《指导意见》”),明确提出“城乡居民大病保险,是在基本医疗保障的基础上,对大病患者发生的高额医疗费用给予进一步保障的一项制度性安排”。据统计,2011年我国城镇居民基本医疗保险参保人数为2.21亿人,新农合参合人数为8.32亿人。大病保险以城镇居民基本医疗保险、新农合的参保(合)人为保障对象,服务市场庞大。可以说,在我国整体推进城乡居民大病保险的背景下,商业保险公司经办大病保险将成为商业健康保险发展新的
In August 2012, the National Development and Reform Commission and other six ministries and commissions jointly issued the Guiding Opinions on Undertaking the Urban and Rural Residents’ Disease Insurance (hereinafter referred to as the “Guiding Opinions”), and clearly stated that “urban and rural resident illness insurance Basic medical insurance, based on the high incidence of serious illness in patients with medical expenses to give further protection of the institutional arrangements ”. According to statistics, in 2011, the number of urban residents’ basic medical insurance in China was 221 million and the number of NCMS participants was 832 million. Major illness insurance to urban residents basic medical insurance, NCMS insured (co) people for the protection of objects, a huge service market. It can be said that in our country as a whole to promote urban and rural residents in the context of serious illness insurance, commercial insurance companies to carry out serious illness insurance will be the development of commercial health insurance new