Recently, the general office of the State Council issued the opinions on improving the medical insurance and relief system for major diseases (hereinafter referred to as the opinions), focusing on reducing the medical cost burden of patients with major diseases, focusing on unifying and standardizing the system, improving the corresponding security mechanism, and making arrangements and arrangements to enhance the basic function of the medical security system. It has been standardized in five aspects: scientifically determining the scope of medical assistance objects, strengthening the comprehensive guarantee of the triple system, consolidating the basic guarantee of medical assistance, establishing and improving the long-term mechanism to prevent and resolve poverty and return to poverty due to illness, and guiding social forces to participate in assistance and guarantee. (Guangming Daily, November 20) What troubles do you face when seeing a doctor? Some people think that the expert number is difficult to hang up; Some people think that the charge is expensive and can't afford it; Some patients also found out the "big problem", worried that it was not easy to cure, resulting in empty human and financial resources. Patients with serious and serious diseases with poor family conditions combine these troubles. They not only have a difficult medical treatment process and unsatisfactory treatment results, but also have difficult to bear the cost. They often borrow all their relatives and friends, sell the most valuable family assets, and can't raise life-saving money. At present, there is a set of insurance and relief system for major diseases. Basic medical insurance, serious illness insurance, commercial health insurance, medical assistance, civil affairs relief and social charity assistance have all played a significant role. However, due to the lack of strict system connection, it is not only easy to have a "sandwich layer", but also there are widespread phenomena such as missing people and items. Whether patients with major diseases can get better protection sometimes depends on the situation and take a chance. The opinions straightened out the existing system and added new measures, so that various guarantees can be seamlessly connected. The opinions not only strengthened the system design of the triple comprehensive guarantee of basic medical insurance, serious illness insurance and medical assistance, but also did a good job in the connection of system functions according to the principle of "insurance before assistance". Strive not to miss one person and make balanced efforts to make the sunshine of the policy of benefiting the people shine on every patient with major diseases. Many good practices have emerged when social forces participate in relief and security. Commercial insurance, Internet platform mutual assistance and online crowdfunding have all become important channels for patients with major diseases to obtain assistance. There are not a few leukemia children who receive online donations every year alone. However, social assistance also has shortcomings and sometimes leads to disputes, such as the "sweeping" search for help seekers on the crowdfunding platform and the opaque use of donations, which have been criticized, and the social assistance force also needs to be standardized. Guide charitable organizations to carry out various forms of serious illness relief, support medical assistance for employees, standardize mutual assistance on Internet platforms, and encourage the development of commercial health insurance... These practical measures launched by the opinions are intended to guide social forces to participate in relief. More importantly, it is extremely difficult for patients who do not enter the public view to get online donations. Once they are concerned by the society, the online donations sometimes far exceed the needs for treatment. Such uneven drought and flood leads to that some patients can only "fight out" in extreme ways. The opinion requires scientific determination of the scope of medical assistance objects, which can not only standardize the government assistance behavior, but also have great guiding significance for social donations such as online crowdfunding. The rescue of patients with major diseases is difficult and covers a wide range. No matter how dense the security network is, there will be a special case of "leakage". Consolidating the bottom support of medical assistance can play the role of "picking up leakage" and add the last barrier to the security. Establishing and improving a long-term mechanism to prevent and resolve poverty caused by illness and return to poverty can upgrade effective temporary measures to long-term measures. The measures in the five aspects have their own emphases, and a number of measures will be taken comprehensively, so that patients with major diseases can obtain reliable protection now and in the future. (outlook new era)
Edit：Yuanqi Tang Responsible editor：Xiao Yu
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