The network mutual assistance platform of 3-3 major diseases is becoming an important supplement to the multi-level medical security system

TextsZheng Bingwen, a member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC) and director of the World Social Security Research Center of the Chinese Academy of Social Sciences
by the end of 2019, China's network mutual assistance members have reached 150 million people, a total of nearly 40,000 people have helped the year, the amount of mutual assistance reached about 5 billion yuan, becoming the largest form of medical security for urban and rural residents in China, in addition to social medical insurance and commercial insuranceBecause the network mutual assistance involves a huge amount of money, the impact is very wide, hidden a certain degree of financial, legal compliance and social risks, should be as soon as possible to clarify the regulatory authorities, into the regulatory sequence, to prevent the P2P drama repeatThe Opinions of the Cpc Central Committee and the State Council on Deepening the Reform of the Medical Security System, promulgated by the, clearly state that we should "support the orderly development of medical mutual assistance" and incorporate it into the construction of a multi-level medical security system in 2030, which is the first time in the central policy document that the supplementary role of online medical mutual assistance (hereinafter referred to as "cyber-mutual assistance") is of far-reaching significanceby the end of 2019, China's network mutual assistance members have reached 150 million people, a total of nearly 40,000 times helped the year, mutual assistance amounted to about 5 billion yuan, becoming China's urban and rural residents in addition to social medical insurance and commercial insurance outside the largest form of medical securityThe author in November 2019 to participate in a network mutual assistance platform research learned that since the platform launched on October 16, 2018, has been accumulatively rescued 11928 seriously ill members, giving a mutual aid of 1.875 billion yuan, of which "after 80" accounted for 36%, "9 After 0" accounted for 14%, children under 12 years of age accounted for 2%, 24% of the assisted patients had thyroid cancer, 12% had breast cancer, 8% had lung cancer, 8% needed craniofacial surgery, 7% had acute myocardial infarction, and 19% of the recipients were assisted by their families joining the platformnetwork mutual assistance platform to the multi-level medical security system complement ingenuity is mainly reflected in three aspects:first, the multi-level medical security system coverage can play a role in filling up the gapsAccording to the National Health And Wellness Commission's mobile population dynamic monitoring survey data, China's 245 million migrant population is still 10.9 percent of the lack of any kind of health insuranceChina Insurance Industry Association in the country's large and medium-sized cities research found that in 2017 the national large and medium-sized urban health insurance market penetration rate of only 9.1%, the purchase rate of less than 10%Mutual assistance on the Internet can play an important complementary roleThe secondis to play a complementary role in the medical security of people who cannot afford to buy commercial health insurance or have lost their abilityNetwork mutual assistance platform to participate in the low threshold, the way to join is simple and convenient, online operation can be achieved, not subject to household registration, inflow and unit support and other restrictionsThe third is to provide financial compensation to families who are suffering from major diseases Take a certain network mutual aid product as an example, it includes malignant tumors and 99 major diseases in the protection content, through the introduction of specific diseases, and the basic medical insurance reimbursement according to medical expenses to form an effective link, the basic medical security temporarily unable to provide high protection of specific diseases to give 300,000 or 100,000 mutual assistance protection some problems that need to be paid attention to in the future development of network mutual assistance, at present, there are three main issues that need to be mentioned on the agenda: is about the determination of the properties of network mutual assistance The industry's understanding of the properties of cyber-mutual assistance has been debated for many years, and there are still some controversies, from those who consider it to be class insurance, to the public good, to the business, or even to financial technology The disunity of recognition will have an impact on the development of the industry and the determination of regulatory authorities second is about regulation and the determination of its regulatory authorities As the amount of mutual assistance involves a large amount, the impact is very wide, hidden certain financial, legal compliance and social risks, etc , should be as soon as possible to clarify the regulatory authorities, into the regulatory sequence, to prevent the P2P tragedy from happening again The third is to set up self-regulatory organizations in the industry and formulate industry rules March 30, the first standard of mutual aid groups, the first put forward the "four to one do not" principle, that is, to real-name system, full name wind control, audit independent, open and transparent, not financial risk This is good news, but after all, it is led by enterprises and a number of universities and industries, such as the standards, coverage and self-discipline constraints are not enough, in the long run should establish industry self-regulatory organizations (This article was published in the special issue of China's Medical Insurance) the original title: The network mutual assistance platform for major diseases is becoming an important supplement to the multi-level medical insurance system