“救护车一响，一头猪白养”……没有人愿意患大病，然而每个人患大病的机率却是不确定的。一旦患了大病，无论花多少钱，大部分人都会去治疗，由此带来的高额医疗费用让很多百姓无法承受。我国农村的几千万贫困人口中，不少是因病致穷、因病返贫的，城镇不少困难群众也为疾病所困。

"The ambulance rang,A pig a white"...No one is willing to suffer from a serious illness,However everyone suffer from a serious illness's probability is uncertain.Once had a serious illness,No matter how much money you spend,Most people will go to treatment,Which has high medical cost let many people cannot afford.China's rural arose tens of millions of poor population,A lot of the poor is due to illness/Poverty caused by illness,The town a lot of difficult people trapped for disease.

　　这与基本医保的报销水平较低有关。目前，我国95%的城乡居民已经有了基本医保，城镇居民医保和新农合政策范围内住院报销比例已达70%，但实际报销比例只有50%左右。还有近一半的医疗费用需要患者自付，而且患大病使用的不少药物、治疗手段突破政策范围的限制，也需要患者自己掏钱，造成经济负担沉重。而单纯地提高政策范围内报销比例，也不能减轻大病患者负担。

This and basic health care to submit an expense account to the low level of relevant.At present,Our country 95% of urban and rural residents have the basic medical insurance,Medical insurance for urban residents and new agricultural policy close range in hospital reimbursement ratio has reached 70%,But the actual expense proportion is about 50%.And nearly half of the medical treatment charge pays to patients,And suffer from a serious illness to use a lot of drugs/Treatment means to break through the limitation of the range of policy,Also need to patients out of their own pockets,Cause economic burden is heavy.And simply to increase policy within the scope of proportion to submit an expense account,Also cannot reduce the burden of patients with a serious illness.

　　大病保障能力是一个国家医疗保障水平的体现，是政府应尽的职责。老百姓不幸患了大病，能不能看得好是医疗技术水平问题，能不能看得起，则是医疗保障制度设计问题。因此，我们应从制度上完善设计，注重保大病保低收入群体，不能让老百姓因病致贫返贫。近日发布的《关于开展城乡居民大病保险工作的指导意见》目的很明确，就是补上大病保障的“短板”，对城乡居民因患大病发生的高额医疗费用，在基本医保报销之后再进行第二次报销，使绝大部分人不会因为疾病陷入经济困境。资金来源首先利用基本医保结余基金，对于结余不足或没有结余的地区，在基金年度提高筹资时统筹解决。大病保险不再额外增加群众个人缴费负担。

A serious illness support capacity is a national medical security level of reflect,Is the government duties.Unfortunately, people suffering from a serious illness,Can you see well is the level of medical treatment problem,Can respect,Is the medical security system design problems.therefore,We should improve the system design,Pay attention to the serious illness the low-income groups,Can't let people become financially-difficult poverty.Recently released[About urban and rural residents to carry out a serious illness insurance work guiding opinions]The purpose is very clear,Make up a serious illness is guaranteed"Short plate",To urban and rural residents suffering from serious illness happen high medical costs,In the basic medical insurance to submit an expense account again after the second to submit an expense account,Most people don't because disease in queer street.First, the basic medical insurance funds balance fund,For lack of balance or no balance area,In the fund annual increase when financing plan as a whole to solve.A serious illness insurance no extra increasing the mass individual pay cost burden.

　　覆盖全民的大病保险是社会管理制度的重大创新，强化了社会互助共济的意识和作用，形成了政府、保险机构、个人共同分担大病风险的机制，推动了医保、医疗、医药互联互动，提高了医保的使用质量，能有效减轻患者的负担。

The cover of a serious illness insurance is a significant innovation of social management system,Strengthening the social help each other in all aid consciousness and action,Formed the government/Insurance institutions/Individuals share the risk of a serious illness mechanism,Promote the medical insurance/medical/Medical Internet interaction,To improve the medical service quality,Can effectively reduce the burden of the patients.

　　开展城乡居民大病保险，还保护了公民的权益。让人人病有所医，是我国卫生事业发展的根本目的，不致于让老百姓因为一场大病就致贫、返贫。患大病的群体是社会弱势群体，他们光靠个人、家庭的力量无法抵御风险。开展城乡居民大病保险，从制度层面实现社会互助共济，让大病患者生活更有尊严，促进社会的公平和正义。

Urban and rural residents to carry out a serious illness insurance,Also protect the rights of the citizen.Let everyone BingYouSuoYi,Is of the medical career in our country fundamental purpose,Not let common people because of a serious illness is poor/poverty.Suffer from a serious illness group is the social vulnerable groups,They light their own/The power of the family can withstand risks.Urban and rural residents to carry out a serious illness insurance,From the system level to realize social help each other in all aid,Let a serious illness patients life more dignity,To promote social fairness and justice.

　　我国经济社会发展到今天，应该有责任也有能力为老百姓建立大病保障，从根本上解决这个群众最关心、最直接、最现实的利益问题，让每个家庭不会因病而致贫返贫。

China's economic and social development to today,There should be a liability to also have the ability for common people to establish a serious illness security,Fundamentally solve the greatest concern to the people/The most direct/The most realistic interests,Let every family will not due to illness and poverty comes.

　　——国家发展改革委副主任、国务院医改办主任孙志刚在近日举行的城乡居民大病保险座谈会上谈到

, the national development and reform commission deputy director/Cure of the state council director do SunZhiGang held recently in the urban and rural residents a serious illness insurance forum about

　　记者 李红梅整理

Reporter LiGongMei finishing