中新网8月30日电 据国家发展和改革委员会网站消息，国家发展和改革委员会等六部委今日发布《关于开展城乡居民大病保险工作的指导意见》。意见指出，城乡居民大病保险的承办方式采取向商业保险机构购买大病保险的方式。此外，意见称，要规范大病保险招标投标与合同管理，严格商业保险机构基本准入条件。

Beijing, aug. 30, according to the national development and reform commission website news，The national development and reform commission and so on six ministries and commissions released today《About urban and rural residents to carry out a serious illness insurance work guiding opinions》。Opinion pointed out that，Urban and rural residents a serious illness insurance way to take the commercial insurance institutions to purchase a serious illness insurance way。In addition，Suggestions that，To regulate a serious illness insurance tender and bid and contract management，Strictly commercial insurance institutions basic access conditions。

　　今日，国家发展和改革委员会、卫生部、财政部、人力资源和社会保障部、民政部、保险监督管理委员会正式公布《关于开展城乡居民大病保险工作的指导意见》。

today，The national development and reform commission、The ministry of health、The ministry of finance、Human resources and social security、The ministry of civil affairs、The insurance supervision and management committee officially announced《About urban and rural residents to carry out a serious illness insurance work guiding opinions》。

　　意见指出，城乡居民大病保险的承办方式，采取向商业保险机构购买大病保险的方式。地方政府卫生、人力资源社会保障、财政、发展改革部门制定大病保险的筹资、报销范围、最低补偿比例，以及就医、结算管理等基本政策要求，并通过政府招标选定承办大病保险的商业保险机构。招标主要包括具体补偿比例、盈亏率、配备的承办和管理力量等内容。符合基本准入条件的商业保险机构自愿参加投标，中标后以保险合同形式承办大病保险，承担经营风险，自负盈亏。商业保险机构承办大病保险的保费收入，按现行规定免征营业税。已开展城乡居民大病保障、补充保险等的地区，要逐步完善机制，做好衔接。

Opinion pointed out that，Urban and rural residents for serious illness insurance mode，Take to commercial insurance institutions to purchase a serious illness insurance way。Local government health、Human resources social security、financial、Development and reform department to make a serious illness insurance financing、Submit an expense account range、Minimum compensation ratio，And go to a doctor、Settlement management basic policy requirements，And through the government tender selected undertaking serious illness insurance business insurance institutions。Bidding mainly include specific compensation ratio、Profit and loss rate、Equipped with this and management power, etc。Conforms to the basic access conditions of commercial insurance institutions voluntarily participate in the bidding，After winning the bid to insurance contract form undertaking serious illness insurance，Assume business risk，Responsible for their own profits and losses。Commercial insurance institutions undertaking serious illness insurance premium income，According to the current regulation shall be exempted from business tax。In both urban and rural residents has a serious illness security、Supplementary insurance and other areas，To gradually perfect the mechanism，Completes the cohesion。

　　意见称，要规范大病保险招标投标与合同管理。各地要坚持公开、公平、公正和诚实信用的原则，建立健全招标机制，规范招标程序。商业保险机构要依法投标。招标人应与中标商业保险机构签署保险合同，明确双方的责任、权利和义务，合作期限原则不低于3年。要遵循收支平衡、保本微利的原则，合理控制商业保险机构盈利率，建立起以保障水平和参保(合)人满意度为核心的考核办法。为有利于大病保险长期稳定运行，切实保障参保(合)人实际受益水平，可以在合同中对超额结余及政策性亏损建立相应动态调整机制。各地要不断完善合同内容，探索制定全省(区、市)统一的合同范本。因违反合同约定，或发生其他严重损害参保(合)人权益的情况，合同双方可以提前终止或解除合作，并依法追究责任。

Suggestions that，To regulate a serious illness insurance tender and bid and contract management。The various localities should adhere to the public、fair、Justice and the principle of good faith，Establish and perfect the bidding mechanism，Regulate tendering procedure。Commercial insurance institutions should bid according to law。The tenderer and the winning commercial insurance institutions shall be signed by insurance contract，Clearly the responsibility of both sides、Rights and obligations，The term of cooperation principle not less than three years。To follow the balance of payment、Break-even meager profit principle，The reasonable control of commercial insurance institutions rate of return，Set up to safeguard level and ginseng protect(close)People satisfaction assessment method as the core。For serious illness insurance to long-term and stable operation，Ginseng protect(close)People actual benefit level，Can in the contract to excess balance and policy-related losses of the establishment of dynamic adjustment mechanism。The various localities should constantly improve contract content，Explore stipulating the provincial(area、city)The contract model of unity。For breach of contract，Or the occurrence of other serious damage ginseng protect(close)Person rights and interests of the situation，The two parties of the contract can terminate or cancel the cooperation，And shall be investigated for responsibility。

　　此外，意见强调，严格商业保险机构基本准入条件。承办大病保险的商业保险机构必须具备以下基本条件：符合保监会规定的经营健康保险的必备条件；在中国境内经营健康保险专项业务5年以上，具有良好市场信誉；具备完善的服务网络和较强的医疗保险专业能力；配备医学等专业背景的专职工作人员；商业保险机构总部同意分支机构参与当地大病保险业务，并提供业务、财务、信息技术等支持；能够实现大病保险业务单独核算。

In addition，Opinion emphasize，Strictly commercial insurance institutions basic access conditions。Undertaking serious illness insurance business insurance institutions must have the following basic conditions：Conform to the provisions of the circ business health insurance the necessary conditions；Operations in China health insurance special business five years，Has a good market reputation；Has perfect service network and strong medical insurance professional ability；Equipped with medical and other professional background full-time staff；Commercial insurance agency headquarters agreed to participate in the local branch of a serious illness insurance business，And provide business、financial、Information technology support；Will be able to realize the serious illness insurance business accounted for separately。