“中国全民基本医保已经覆盖城乡,但大病保障制度尚不健全,群众大病医疗费用负担仍然较重,因病致贫、因病返贫的问题和风险还比较突出。而近期连续断出现的热点新闻事件则让这一缺陷不断凸显。”大病保险实际报销比例不低于50%、不额外增加参保者缴费负担、加强对商业保险机构承办大病保险监管、解决因病致贫、因病返贫问题……在全民医保体系逐步建立、医改向纵深挺进之际,国家发改委、卫生部等六部委于2012年7月19日公布《关于开展城乡居民大病保险工作的指导意见》。 “China’s basic medical insurance for all people has covered urban and rural areas, but the disease protection system is still not complete, and the burden of medical expenses on the masses is still heavy. The problems and risks of poverty due to illness and returning to poverty due to illness are still outstanding. Recently, there have been continuous hot spots. News incidents have made this defect constantly prominent.”The actual reimbursement rate for critical illness insurance is not less than 50%, no additional increase in the burden of participants’ contributions, strengthening of insurance coverage for commercial insurance institutions, resolution of poverty caused by illness, and illness The problem of returning to poverty... As the nationwide medical insurance system was gradually established and medical reforms were progressing in depth, the six ministries and commissions including the National Development and Reform Commission and the Ministry of Health announced on July 19, 2012, the Guiding Opinions on the Implementation of Major Illness Insurance for Urban and Rural Residents.