“大病醫(yī)?！庇⒄Z怎么說

8月30 日，國家發(fā)改委、衛(wèi)生部、財(cái)政部、人社部、民政部、保險(xiǎn)監(jiān)督管理委員會(huì)正式公布《關(guān)于開展城鄉(xiāng)居民大病保險(xiǎn)工作的指導(dǎo)意見》，大病保險(xiǎn)對在基本醫(yī)保已經(jīng)報(bào)銷的基礎(chǔ)上再次給予報(bào)銷，要求實(shí)際報(bào)銷比例不低于50%。

請看《中國日報(bào)》的報(bào)道：

China on Thursday announced a decision to expand the coverage of the country's healthcare insurance system to include the treatment of critical illnesses, aiming to prevent patients from being reduced to poverty by necessary healthcare costs.

本周四，中國宣布將重大疾病納入全國醫(yī)保報(bào)銷范圍，以防止因病致貧情況的發(fā)生。

Critical illness指“重大疾病”，critical illness insurance program就是“重大疾病保險(xiǎn)”。雖然目前的basic healthcare insurance system(基本醫(yī)保體系)和new rural cooperative medical care system(新農(nóng)合醫(yī)保體系)已經(jīng)覆蓋了全國95%的人口，但在遇到重大疾病時(shí)，人們的medical expenditure(醫(yī)療費(fèi)用)負(fù)擔(dān)仍然很重，不少家庭甚至fall into poverty because of illnesses(因病致貧)。

意見指出，政府將通過招標(biāo)方式選擇qualified commercial insurers(符合條件的商業(yè)保險(xiǎn)機(jī)構(gòu))承辦大病險(xiǎn)。各地政府可按照當(dāng)?shù)厍闆r制定fundraising(籌資)、reimbursement(報(bào)銷)等細(xì)則。