民间公益组织尝试通过商业保险帮助乡村儿童大病救治，实际扣合国家医疗保障深远考量，将为国家医保政策大规模改变提供有益参考。据全国人大《建立全国儿童医疗保险制度的议案》统计，我国因疾病死亡的农村儿童，有50.5%未得到治疗或仅在门诊治疗。贫困地区儿童罹患重疾后的死亡率高达54%，比城市儿童高出约9倍。我国中西部地区乡村经济不发达，儿童大病医疗一直是最大的问题之一。

Folk public welfare groups try to help rural children through commercial insurance treatment of a serious illness，The actual clasp and national medical security far-reaching considerations，Will medicare policy for the country large-scale change reference。According to the National People's Congress《A national children's medical insurance system of the bill》statistics，In China due to the rural children die from the disease，50.5% have not been treatment or just in the outpatient treatment。Children in poor areas suffering from serious illness the mortality after as high as 54%，Than the city about nine times higher than the children。China's western region rural economy is not developed，Children's medical treatment of a serious illness has been one of the biggest problems。

　　该项目采用公益基金、保险公司、地方政府合作的方式，向社会筹募善款，为试点地区适龄儿童购买一份商业医疗保险，从根本上解决乡村儿童医疗费用短缺问题，保证儿童“中病可治、大病可医”，更好地维护乡村儿童的生命健康权利。乡村家长不出一分钱，孩子就可获一份商业保险；孩子罹患大病时，最高可获赔20万元。

The project using public funds、Insurance company、The local government cooperation way，Raise funds to the society，For pilot areas that school-age children buy a commercial medical insurance，From the fundamental solution to rural children's medical expenses shortages，Ensuring that children“Disease can cure in、Cure, a serious illness”，Better maintain rural children of the right to life and health。Not a penny of rural parents，Children can get a commercial insurance；Children suffering from a serious illness，Highest can HuoPei 200000 yuan。

　　首个试点地区为国家级贫困县之一的湖北省鹤峰县，由大病医保基金筹资，此次设计的保险产品向6到16岁的学龄儿童免费提供，不设病种赔付限制，包括已经确诊生病的儿童，全部为他们购买了一份最高赔付额度为20万元的商业医疗保险。大病医保覆盖完成后，患病儿童家庭将可在当地社会保险赔付之外，另获最高额度为20万元的商业保险赔付，这将为当地儿童提供切实的健康保障。据了解，这一公益项目仅在该县就将惠及2万多名学龄儿童。

The first pilot areas for national level, one of the HeFengXian counties in hubei province，A serious illness by medical insurance fund raise money，The design of insurance products to 6 to 16 years old of school-age children, free，Do not set disease to compensate pays limits，Including have confirmed the sick children，All for they bought a highest pay 200000 yuan quota for the commercial medical insurance。After the completion of a serious illness health coverage，Sick children in families of local society insurance compensation away，The other obtain the highest quota for 200000 yuan of commercial insurance compensation，This will provide practical for local children's health care。According to understand，The public welfare projects in the county is only will benefit more than 20000 school-age children。

　　据介绍，儿童大病医保着力推动三种模式，一是基金筹资，为国家级贫困县儿童提供免费商业医疗保险服务；二是政府出资主导，为指定地区儿童购买专业机构和商业保险公司的医疗保险服务；三是爱心企业、爱心企业家出资，为指定地区儿童提供免费商业医疗保险服务。（王君平 杜放）

According to introducing，Children's medical insurance of a serious illness to the three modes，One is the fund-raising，Children provide free counties as national commercial medical insurance service；2 it is leading government funds，For the assigned area children buy specialized agencies and commercial insurance company's health insurance service；Three is the compassion enterprise、Love entrepreneurs capital contribution，For the assigned area children provide free commercial medical insurance service。（WangJunPing DuFang）

　　作者：王君平 杜放

The author：WangJunPing DuFang