2015年国务院颁布《关于全面实施城乡居民大病保险的意见》,提出充分发挥市场机制作用和商业保险机构的专业优势,促进大病保险的可持续发展;要求各地区和各部门加快推进大病保险制度建设,筑牢全民基本医疗保障的网底。城乡居民大病保险是在基本医疗保障的基础上,对大病患者发生的高额医疗费用给予进一步保障的制度性安排,是对基本医疗保障制度的拓展和延伸。 In 2015, the State Council promulgated the Opinions on the Full Implementation of Major Disease Insurance for Urban and Rural Residents. It proposed giving full play to the role of market mechanism and the professional advantages of commercial insurance institutions to promote the sustainable development of serious illness insurance and urged all localities and departments to accelerate the construction of major illness insurance system , Build a solid foundation for basic medical insurance. The serious illness insurance for urban and rural residents is an institutional arrangement that gives further protection to the high medical costs incurred by seriously ill patients on the basis of basic medical insurance and is an extension and extension of the basic medical insurance system.