中文摘要：

各地确定大病保险保障范围多延用基本医疗保险目录,出现了人人有份的普惠性提待现象,因患重特大疾病而发生高额费用的困难人群自付和自费负担仍较重,大病保险防范灾难性卫生支出的目标没能实现。基于大病保险属性及现况分析,建议另行建立筹资机制,合理确定大病保险保障范围,真正将普惠性提待转变为特惠性雪中送炭。

英文摘要：

Since local authorities often use the essential medical insure lists to determine the coverage for serious illness, it has brought about such problems of improving in treatment generally for all insured but not relieving heavy economic burden caused by serious diseases. As a result, it did not achieve the goal of preventing catastrophic health expenditure. Basing on analyzing the property and current status of serious illness insurance, this paper made suggestions on establishing another fund-raising mechanism, determining the coverage of serious illness insurance reasonably, and changing current status of improving in treatment generally for all to securing more specifi c needs.