财政部昨天表示，各地要共同把城乡居民大病保险这项标志性民生工作抓紧抓好，尽快实现基本医保、大病保险、医疗救助的“一站式”即时结算，最大程度方便参保人。

The ministry of finance said yesterday,The various localities should work together to urban and rural residents a serious illness insurance the landmark work pay close attention to people's livelihood,The basic medical insurance as quickly as possible/Serious illness insurance/Medical assistance"one-stop"Instant settlement,Maximum convenient ginseng protect people.

探索建立更大范围大病保险 Explore to establish more serious illness insurance scope

　　据了解，目前在我国推行了社保卡的地区，参保人均已实现即时结算式的实时报销，完全无需垫付医药费。但有保险行业专家曾向本报记者表示，考虑到一些保险公司还在采取按保险年度手工报销的方式，城乡居民大病保险参保人的报销预计很有可能是根据商业保险公司的规定每半年或一年报销一次。

It is understood,In our country at present is carrying out social security card area,Ginseng protect per capita realized real-time settlement type real-time to submit an expense account,Completely without disbursements medical expenses.But there is insurance industry experts have to our reporter said,Considering some insurance companies are still take according to insurance annual manual to submit an expense account way,Urban and rural residents a serious illness insurance ginseng protect people are expected to submit an expense account is very likely according to the provisions of the commercial insurance company every six months or a year submits an expense account.

　　对于专家的这一疑虑，财政部昨日透露，地方各级财政部门将会同有关部门努力整合医保资源，做好制度之间的衔接，发挥好各项医保制度的合力。首先，要做好基本医保、大病保险、医疗救助、慈善救助及商业保险之间的衔接。要合理确定各项制度的保障范围和水平，尽快实现基本医保、大病保险、医疗救助的“一站式”即时结算，最大程度方便参保人。要协同推进基本医保、大病保险和医疗救助等医保支付方式改革，发挥管控合力，规范医疗行为，控制医疗费用。

For expert this doubts,The ministry of finance said yesterday,Place the ministry of finance jointly with relevant departments at all levels goalkeeper to integrated health care resources,Do the cohesion between system,Play well the medical insurance system of the resultant force.First of all,To do basic medical insurance/Serious illness insurance/Medical assistance/Charity relief and commercial insurance the cohesion between.To reasonably determine the system safeguard scope and level,The basic medical insurance as quickly as possible/Serious illness insurance/Medical assistance"one-stop"Instant settlement,Maximum convenient ginseng protect people.To promote synergy basic medical insurance/A serious illness insurance and medical assistance and medical insurance payment reform,Play control force,Regulating medical behavior,Control medical cost.

　　其次，要做好大病保险与新农合大病保障试点、重特大疾病医疗救助试点等政策的衔接，整合制度资源，避免政策交叉重叠，提高制度运行效率。

secondly,To do a serious illness insurance and the new agriculture close a serious illness security pilot/Great disease medical assistance pilot policies of cohesion,Integration system resources,Avoid overlap of policy,Improve the system efficiency.

　　财政部同时表示，要积极推动建立更大范围的大病保险制度。有条件的地方要积极探索建立覆盖城镇职工医保、城镇居民医保和新农合参保人口的统一的大病保险制度。

The ministry of finance also said,To actively promote the establishment of a wide range of serious illness insurance system.Conditional place we should actively explore the establishment covers medical insurance for urban workers/Medical insurance for urban residents and the new agriculture $ginseng protects the unity of the population of a serious illness insurance system.

　　合理控制保险机构盈利水平 The reasonable control of insurance institutions profit level

　　另据介绍，财政部将尽快明确利用基本医保基金向商业保险机构购买大病保险的财务列支和会计核算办法。总的要求是，地方各级财政部门要按照确定的筹资标准，并根据政府相关部门与商业保险机构签订的合同，定期从城镇居民医保基金专账或新农合基金专账向商业保险机构指定的账户划拨资金；商业保险机构要严格规范资金管理，建立单独的核算账户，反映大病保险资金的收入和支出，并接受有关部门的监督和检查。

The other according to introducing,The ministry of finance will clearly as soon as possible use of basic medical insurance fund to commercial insurance institutions to purchase a serious illness insurance financial recovery and the accounting method.General requirements are,Financial departments at various local levels according to certain financing standard,And according to the relevant government departments and commercial insurance agency contract,Regularly from medical insurance for urban residents fund special accounts or new farming close fund special account to commercial insurance organizations designated account transfer funds;Commercial insurance institutions should regulate fund management,A separate accounting account,Reflect a serious illness insurance fund income and expenditure,And accept the relevant departments of supervision and inspection.

　　财政部还要求，地方各级财政部门要会同有关部门合理控制商业保险机构的盈利水平。对商业保险机构在履行合同过程中可能出现的超额结余、政策性亏损等问题，要提前研究对策，建立相应的动态调整办法。

The ministry of finance also requires,Local departments at all levels for finance departments shall jointly with the relevant departments, the reasonable control of commercial insurance institutions profit level.To commercial insurance institutions in the performance of the contract that may arise during the process of excess surplus/Problems such as policy-related losses,Want to advance the countermeasures,To establish the corresponding dynamic adjustment measures.