9g8zS8xA4Sa on "returning to poverty is widespread. Thus"

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Deng Fei research in Hefeng. Hefeng county party secretary Yang Anwen. Summary: This year, seriously ill children in rural health care, "upgrade" will be unveiled in Hunan and Yunnan Yangbi Guzhang. "Designer" Deng Fei said, not now "to build a house of contractor", and to "cover model room" - this will be an unprecedented off "experiment." Following last February Deng Fei, WangZhenYao, Chen Zhaohua such as a public welfare who initiated the establishment of China seriously ill children in rural health care public funds, and Hubei Hefeng headed pilot, seriously ill children in rural health care, "upgrade" debut this year, Hunan Guzhang and Yunnan Yangbi. Child age not only relax underwriting compensation from the pay line was reduced,moncler outlet milano, the most daring breakthrough, than on their own expense drug is not part of social security, within the context of the new rural cooperative open 20% of the reimbursement amount. This is an unprecedented off "experiment." By designer Deng Fei's words, is to "cover model room" rather than do "labor contractor to build a house." Folk do not lack imagination and execution, Tang Fei's "ambition" is not just this year, we intend to roll out the pilot to be more 3-4 counties. He looked forward to the "free lunch" a miracle can be replicated on a "seriously ill children in rural health care" project --- civil force, the Government disk access. However, this "model room" of complexity and sophistication, apparently far from cooked a delicious meal can be compared. The first block experimental field The first pilot election in Hefeng is not without reason. Initially Deng Fei implementation of the "free lunch" in Hunan,air max 90 pas cher, Hubei, Guangxi and other places, the Enshi Hefeng county government to actively cooperate, the local has been rated "free lunch" model of the land. The state-level poverty-stricken counties of the county population 22.32 million people,http://bbs.dongfeng.net/home.php?mod=spacecp&ac=blog&blogid=, per capita net income of rural residents 4116 yuan, impoverished, returning to poverty is widespread. Thus, when seriously ill children when Medicare pilot project looking, Hefeng quickly phase. As early as in early 2012, Deng Fei began to convene the insurance sector volunteers. Deng Fei saw the idea of catastrophic health insurance on the microblogging, insurance professionals Zhang Qingfeng felt something: "At that time they wanted to design according to disease Medicare program, whether you draw more of the disease, the total number is not within the catalog of serious illness So says the key lies in medical expenses. "He suggested that as long as the medical expenses exceed a certain amount, that is included in the context of a serious illness Medicare reimbursement. It is also overwhelmed comment, Zhang Qingfeng was encouraging volunteers "occupation", but now he has become seriously ill children the health insurance fund spokesman. Soon, in another international life insurance actuaries Wang Jun was "dragged into the water." In March 2012, a professional insurance, actuarial, legal, medical, accounting, finance and other fields composed of volunteer team in place, catastrophic health insurance for children entering the bidding stage. July 1, 2012, Medicare catastrophic public funds completed the Hefeng 22,232 children 6-16 years of age insurance, sick children will have also incorporated. If coverage for children through NCMS or social security reimbursement, at his own expense still reached more than 5000 yuan, you can branch to the Xinhua Insurance Enshi Hefeng branch secondary reimbursement. Insurance product design ideas a difficult task. Zhang Qingfeng told reporters the South, initially they feared local children's data is missing, it chose to partner with Department of Education, students obtain information. Therefore, given the age of the children underwriting 6-16 years old. In addition, the insured object for the participation of children NCMS or town social security, on the one hand, it will enhance the local social security insurance rate; on the other hand, also in order to avoid a costly substance abuse to the risk off. According to the local social security actuaries and data provided by NCMS will pay line set at 5,000 yuan, so they exclude a large number of cases of non-serious diseases. In addition, children's illness insurance also designed a segmented way of reimbursement claims, ensure that children in the course of hospitalization, there to maintain working capital to continue treatment. Treatment costs within the directory pays 10 million (10 million), commercial insurance reimbursement rate of 90%; if more than 100,000 yuan, less than 20 million, compared with 100% reimbursement; the maximum amount of insurance reimbursement 20 million. Wang Jun noted that 200,000 annual maximum reimbursement is obtained by measuring actuaries. "The medical data available locally, we found less than 30 million is the cost of a normal illness, social security or the new rural cooperative medical reimbursement after about 100,000 yuan, 200,000 yuan illness Medicare reimbursement again, so we will be set at the maximum reimbursement amount 200,000 yuan. " Hefeng Gains and Losses In November 2011, two students Hefeng County Man Liu was diagnosed with acute lymphoblastic leukemia. The disease long treatment period, a year to be over 40 million, but has not been incorporated into the national catastrophic health insurance category for Liu, the bear its weight. Liu Man's father is just an ordinary bank clerk, his mother has been laid off. Prior to the November 28, 2011 to June 2012 catastrophic health insurance for children entering Hefeng, treatment costs Liu Man of 185,635.03 yuan, of which social security reimbursement of 65,http://bbs.smnet.com.cn/home.php?mod=spacecp&ac=blog&blogid=,815.57 yuan,http://bbs.tt919.com/read.php?tid-163889-page-1.html/read.php?tid-163889-page-1.html/post.php?fid=379?fid=379, individual pays the cost of it reached 119,819.46 yuan, of which the total cost of the expense 65%. After the children's illness insurance intervention, Liu Man has become insured object. 8 months thereafter, Liu Man spent a total of 241,206.55 yuan cost of treatment, social security reimbursement of 13,louboutin soldes pas cher,725.12 yuan, while seriously ill children entrusted Medicare insurance companies for reimbursement of 158,658.73 yuan, 66 percent of total costs, the individual pays a cost of 68,822.7 yuan , accounting for only 29%. As of February 25, seriously ill children in Hefeng total of 14 health care for children is provided for the payment, the total amount of payments totaling 280,http://bbs.weilanhaian.com/home.php?mod=spacecp&ac=blog&blogid=,840.11 yuan. Since the pilot has not been to Hefeng year expires, there are some children have not yet completed the treatment, will continue treatment and get paid in 2013. Data show that children's illness insurance within six months after the intervention, the number of active treatment of children with serious illness, compared with the first half of 2012 have significantly improved growth rate of 57%. Over the past six months, the first pilot gradually exposed some problems. First, the relatively high incidence of children aged 0-6 years have not been incorporated. Zhang Qingfeng said they found the social security sector and the health sector in this part of the children are in fact data, and the insurance company's own policies are to gather information to complete, so the contractor will be extended to children aged 1-16 years of age does not affect the information collect. In addition, some drugs at their own expense some children still huge. To further explore the directory to medical reimbursement, "upgrade" seriously ill children try to open 20 percent of Medicare reimbursement. "We also want to see in the end how much risk there is." Beijing Branch of Xinhua Insurance corporate operations manager explained Min. A small amount of good public projects turned to exploring the social security directory outside of drugs and treatment methods, will help promote the establishment of social security insurance company outside the directory, thus promoting the development of social security directory. However, while there is no data accumulation, the risk is unknown; on the other hand, also need to avoid abuse of expensive medicines at their own expense, to eliminate medical waste. Min told reporters, out of the risk of the control, directory outside drug benefit to NCI serious illness insurance is defined as a reference. And in the payment service, Min said,http://bbs.zzdingding.com/forum.php?mod=viewthread&tid=2617303, will be a major breakthrough:. "The new children's illness insurance claims from the traditional way to become an innovative way claims" innovation he mentioned, is through the insurance company and the pilot counties seamless NCMS, the social security system, to achieve real-time direct claims, to avoid patient advance medical expenses. Catastrophic health insurance briefing, said: "Construction of the level of social security around the NCMS and reimbursement systems vary greatly in some areas did not achieve health information system, in most areas there is only a computer real-time settlement system level, can not be truly patient without prior advance. In this case, there is no ability to advance the family will choose to abandon the treatment, the operation and effect of such protection of ill health insurance will be greatly reduced. "In Guzhang, this situation is expected to be significantly improved. Multi-model step by step As the first pilot catastrophic health insurance for children, Hefeng model in terms of project design, insurance and other types of products and embodiments of the innovation and exploration. And the next, it is regional and diverse this pilot project. Deng Fei said: "We are mainly trying to establish patterns,scarpe hogan online, forging refining experience, cross-country projects refer to our advantage decide whether we cover model room,http://store.shopping.yahoo.co.jp/shasinyasan/4957638066211.html, not when the contractors to cover many houses.." January 1 this year, Hunan ancient Zhang and Yunnan Yangbi Medicare and start seriously ill children. Guzhang innovation lies in the optimization of Hefeng experience: pay line full consideration to the level of local economic development, expand underwriting objects, try to open their own expense reimbursement of 20% of the drug. The Dali Bai Autonomous Prefecture of Yi Autonomous County Yangbi more special: Local has Yi,http://forum.fineartprinter.de/activity/activity, Han, Bai, Hui and other 17 ethnic groups, the lack of doctors, treatment capacity is weak. Yangbi pilot's mission is: First, the establishment across the county, state, provincial levels of treatment and payment green channel; second is cross-regional, multi-ethnic sample of the pilot study. In addition,http://www.m-pep.org/spip.php?article4071, Zhejiang Kai also are facing insurance companies tender. Civilized special is that it is "not bad money," the county. In 2012 its per capita disposable income of urban residents was 19,462 yuan, rural per capita net income of 9,570 yuan, children aged 1-16 accounted for about 56,000 people. Local NCMS and learn the risks has been basically solved the problem hukou treatment of children, and at discharge fee settlement the parties bear the costs of a clear division. "Select is located in coastal areas of civilized, we primarily want to get a more complete sample." Explained Zhang Qingfeng, catastrophic health insurance programs also pay attention to different regions, different living environment, school-age child morbidity, treatment status of different income situations, treatment cost research, treatment status. And the other pilot is different from civilized pilot local media assistance funds from Zhejiang Zhejiang locally raised, there are over 1.5 million yuan to raise money to enter. Min pointed out that from the perspective of the insurance company, will create a new situation or a civilized government and the cooperation of several insurance companies. "As far as I know, civilized government and an insurance company has to cooperate, if in addition an insurance company won the bid, it will appear the situation the government and a number of insurance companies,louboutin femme, and sooner or later this situation will occur in the future." In addition, Wang Jun also proposed the introduction of civilized reinsurance mechanism, the reinsurance company of the existing insurance companies reinsurance. "Just the ability to take risks, the reinsurance company the ability to take risks is the strongest, followed by insurance companies, the government is the weakest. If you introduce reinsurance, risk will be cured, more controlled." But in the end whether the introduction, remains to be seen, catastrophic health insurance team will continue to demonstrate this. "The best there is wide north as a pilot, so that a more complete!" Explore the needs of cities and operating model for supplementary medical insurance for catastrophic health insurance team, equally attractive. Zhang Qingfeng said, or will continue to increase this year of 3-4 pilot counties: "I hope there is a Northwest!" Edition have written: Southern Reporter Liu Sunan

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9g8zS8xA4Sa on "returning to poverty is widespread. Thus"