In the construction of multi-level medical security system, city-customized medical insurance (hereinafter referred to as Huiminbao) is the middle layer connecting basic medical insurance and commercial insurance, which is a guarantee to resolve the risk of major diseases and promote common prosperity. This article clarifies the position of Huiminbao in the multi-level medical security system, analyzes the status of Huiminbao's participation rate, compensation rate and products, summarizes the problems such as insufficient insurance participation rate, poor structure of the insured population, unstable compensation rate and unequal compensation. This article proposes the model of paying according to the disease group based on DRG/DIP, which helps improve the insurance participation rate, optimize the structure of insurance participation and enhance the sense of acquisition of the insured on the basis of not affecting the interests of the relevant subjects. In addition, it also helps to attract healthy people to insure, effectively improve the inclusiveness and sustainability of the system, and make contribution to the construction of multi-level medical security system.
Key words
city-customized medical insurance /
inclusive insurance /
sustainable development /
payment according to the disease group
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