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1、StudyingthecalculationofcatastrophicmedicalinsuranceofurbanandruralresidentsinNingxiatakethecountyinGuyuancityasansamplesABSTRACTBackground:ThecatastrophicmedicalinsurancesystemwasmakedinAugust24,2012,afterthatmanypilotcitiesbegintoimplementit,calculatio
2、nofthedefinitionofcatastrophicthreshold,financingetconthebasisofcommercialinsurancecompaniesparticipateinthemanagementcancontributetoexploremorereasonableandeffectivecatastrophicmedicalinsurancesystem,andbettertointegratemedicalneeds,provideatheorybasisf
3、orimprovingtheefficiencyofmedicalinsurance・Objective:AccordingtoanalysisthebasicsituationofcatastrophicmedicalinsuranceofurbanandruralresidentsinNingxiaandtheimplementationstatusofthecountyinpilotcity,adoptthemethodoftheWorldhealthorganization(WHO)catast
4、rophicmedicalexpenditureandtheaverageincomemethodofpovertylinetocalculatethedefinitionofcatastrophicthresholdofcatastrophicmedicalinsurance,basedonthebenefitofinsuredpersondeterminethedefinitionofcatastrophicthreshold,thencalculatethefinancingunderthecon
5、ditionofcommercialinsurancecompanyParticipateinmanagement,exploringmorereasonableandeffectivecatastrophicmedicalinsurancesystemwithimplementationofthecounty.Methods:Analyzethebasicsituationandimplementationstatusofthecountywithstatisticalanddescriptivean
6、alysismethod,calculationthedefinitionofcatastrophicthresholdwithWHOcatastrophicmedicalexpendituremethodandtheaverageincomemethodofpovertyline.usethecostestimationmodelofILOmodeltocalculatethefinancing,usethefour-partmodeltocalculatecatastrophicmedicalexp
7、enses,useestimatemethodtocalculatetheindividualfunding,themethodusingreferenceestimateinsurancefactorandriskfunds,useratiomethodtocalculatethegrowthfactor,usepersonalinterviewsandexpertconsultationtocalculatethemanagementcostsofcommercialinsurancecompani
8、es.Results:l.ThecatastrophicmedicalinsuranceofurbanandruralresidentsinNingxiadefinitetheconceptionofcatastrophicdiseasewithhighmedicalexpenditurebasedandconsider20seriousdiseases,theIllindividualfundingis28yuanperpersonper