Policies are in place.

On March 18, 2015, some media quoted relevant officials from the Ministry of Human Resources and Social Security as saying that China will fully implement a critical illness medical insurance system this year.

Critical illness medical insurance is an insurance system that further reimburses the high medical expenses of patients with serious illnesses.

According to data from the China Insurance Regulatory Commission, by the end of last year, critical illness insurance had launched 392 coordinated projects in 27 provinces.

The low coverage rate of serious diseases is the biggest flaw of the current Chinese medical insurance system, which is felt by almost every insured member and his family.

In recent years, with the deterioration of the ecological environment, some serious diseases that were originally rare diseases have become common and frequently-occurring diseases; serious diseases that were previously high in specific groups of people have become widespread diseases.

In the past, the reimbursement ratio of critical illness insurance was too low, which undoubtedly reduced the protection attribute of medical insurance.

Of course, implementing a universal critical illness medical insurance system is by no means something that can be accomplished with just one order from the competent government department.

In fact, to truly realize critical illness medical insurance, the competent authorities, medical systems and insurance systems must carry out a lot of reform and adjustment work to eliminate existing shortcomings in their respective aspects. Otherwise, critical illness medical insurance will only remain on paper in government documents.

To a considerable extent, in the past, the country’s payment ratio for major medical insurance was relatively low because the price of minor illnesses in China was already prohibitive for underwriters.

The causes of minor illnesses and serious medical problems are more numerous and complex.

These numerous and complex reasons have discouraged management departments. Eventually, these old factors have become entangled and mixed with new reasons. This has made medical reform increasingly difficult and impossible to start.

Medical skills are worthless, and medicines with low technological content are extremely expensive. If the reality does not change, medical insurance for serious illnesses may become empty talk.

In this sense, the prerequisite for the implementation of critical illness medical insurance is the initiation and completion of a series of reforms in insurance, medical care and management.

Even in terms of critical illness medical insurance itself, there are still many problems.

Under the background of low co-ordination level and low management level of urban and rural residents' medical insurance funds, once critical illness medical insurance is implemented, medical insurance funds will face rapid growth in medical expenses.

If the billing, accounting, payment and other procedures are not adapted to the introduction of critical illness medical insurance, it is very likely that there will be no money to pay for insurance and no money to spend.

Not only that, how to control the increase in the cost of major illnesses and minor illnesses when medical reforms are slowly progressing and being implemented is also an issue related to whether major illness medical insurance can be implemented.

In further reforms, the relationship between medical institutions, insurance companies and government management departments must be in place, in order to form an independent, balanced, mutually cooperative and mutually restrictive relationship between patients, medical institutions and insurance companies, so as to achieve

The sustainable development of medical institutions and insurance companies improves the medical quality of patients and reduces the burden on patients and their families.

The medical insurance system is the most important welfare system in a country, and it should also be the largest expenditure item of the public finance.

In China, including serious illness into the scope of medical insurance, and then increasing the actual percentage of serious illness reimbursement after basic medical insurance is reimbursed, is to make this inclusive system available to all people, so that the people can touch and see the results of the reform, and it is also

Good patriotism education practice is a solid foundation for citizens to have full confidence in the country's development and future.

Therefore, the specific implementation of critical illness medical insurance is particularly important.