大病保险是城乡居民基本医疗保障制度的拓展和延伸,是对大病患者发生的高额医疗费用给予更大保障的一项新的制度安排。随着大病保险的全面推进,迫切需要确立对应的筹资机制,这是当前构建我国重特大疾病保障体系需要解决的重要问题。筹资政策与影响因素科学厘定保费对于实现大病保险稳定运营十分重要。在大病保险开展过程中,各地由于经济状况发展水平不同,筹 The illness insurance is the expansion and extension of the basic medical insurance system for urban and rural residents, and is a new institutional arrangement that gives greater protection to the high medical costs incurred by seriously ill patients. With the overall advancement of major illness insurance, there is an urgent need to establish a corresponding financing mechanism, which is an important issue that needs to be resolved in building China’s current system of major and serious diseases. Financing policies and influencing factors Determining premiums scientifically is very important for the stable operation of serious illness insurance. In the course of carrying out the serious illness insurance, all localities have to raise funds because of the different levels of economic development