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大病保险在本质上是政府通过城乡居民基本医疗保险基金购买商业保险而建立起来的社会保险,其政策目标是避免城乡居民发生灾难性医疗支出,缓解因病致贫问题。那么,大病医疗保险是否有效降低了城乡居民医疗支出负担?这是衡量城乡居民大病保险是否取得成效的关键。同时,哪些因素制约大病医疗保险政策目标的实现呢?
In essence, the illness insurance is social insurance established by the government to purchase commercial insurance through the Basic Medical Insurance Fund for Urban and Rural Residents. Its policy goal is to prevent disastrous medical expenditures of urban and rural residents and alleviate the poverty caused by illness. So, the serious illness medical insurance is effective in reducing the medical and health care expenditure of urban and rural residents? This is the key to measure the effectiveness of urban and rural residents sickness insurance. At the same time, what factors restrict the realization of the policy objective of serious illness medical insurance?