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Wai and urban and rural residents basic health care converge. The insured person suffering from a serious illness and major medical expenses occur after the serious illness insurance for urban and rural residents basic medical insurance paid according to the provisions of the personal burden of medical costs to give security compliance. 2015, serious illness insurance payout percentage should reach 50% or more, and with serious illness insurance financing, management has improved continuously, to further improve the proportion of payment, to more effectively mitigate the personal burden of medical expenses. Within the three-year trial exempted from the insurance protection fund to encourage support for the commercial insurance sector participation in catastrophic insurance services, opinion makes clear that, in principle by government tender of commercial insurance agencies undertake serious illness insurance selected. Commercial insurance institutions undertake serious illness insurance premiums, according to existing regulations exempt from sales tax, exempt from the insurance business supervision fee. 2015-2018, pilot exempted insurance payments. Strict supervision and management, the opinion also emphasized that strengthening supervision serious illness insurance run, encourage commercial insurance agencies to improve service quality and level, the initiative to accept social supervision; strengthen the supervision of medical institutions, medical services and quality. The occurrence of high medical expenses is ill Medical Reform Office of the State Council full-time deputy director of the State Family Planning Commission for Restructuring the Economy Division of Health Liang Wannian presentation, the former Ministry of NCMS major medical insurance from the disease started, including childhood leukemia, congenital heart disease and other 22 kinds of diseases. The opinion makes clear requirements to major medical expenses occur as a 'serious illness' in standard definition. When the individual pays part exceeds a certain threshold, it could lead to catastrophic household health expenditure, 'this disease is a serious illness.' Opinions provides high medical costs can be accumulated annual compliance burden of personal medical expenses over the previous year, urban residents and rural residents was the local statistics department announced the per capita disposable income as the main basis for calculation. According to changes in urban and rural incomes, create a dynamic adjustment mechanism, the researchers refine the definition of serious illness scientific standards, as determined by the local government according to the actual situation. â–\xA1 Interpretation of serious illness insurance is valid and also to protect who? 'There is a general concept internationally - household catastrophic health expenditure is the total income of a family home minus the necessary food and other living expenses as the denominator, this family a

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