Abstract
The morbidity and mortality of life-threatening diseases such as cancers are increasing year by year in China. Although the national medical insurance has been improved a lot, it still falls short of expecting “universal medical insurance”. To help the families of patients with cancer and other serious diseases to resolve the unaffordable medical cost, several internet platforms of “Peer to Peer Medical Mutual Aid” have gradually emerged recently. In the form of low threshold insurance combined with public support, these platforms provide subsidies to families of patients suffering from serious financial burden and then partly compensate them for the limit of national medical insurance. This article summarized the characteristics of declared patients sponsored by several medical mutual aid internet platforms. The results showed that the sponsored patients were mostly cancer patients (90.1%), aged 21 - 60 (88.4%), and the average amounts of financial support had a trend to decrease with the increase of age. In particular, the reported cases of thyroid cancer were increased dramatically recently, however, with a lowest average mutual aid fund. Given these data, it is urgent to list out a detailed rule for the use of national medical insurance on the treatment of cancer, to heighten the healthcare system for the occupational population, age from 21 to 60, and to establish the credit system for Medicare and Medicaid services.
Highlights
Statistical analysis shows that in 2015, in China the incidence of malignant tumors was about 0.29% and the mortality rate of malignant tumors was about 0.17% [1]
It is urgent to list out a detailed rule for the use of national medical insurance on the treatment of cancer, to heighten the healthcare system for the occupational population, age from 21 to 60, and to establish the credit system for Medicare and Medicaid services
The mean values are presented as Mean ± SE. This survey totally selected 3023 qualified cases of funded patients published on the internet platforms of peer to peer medical mutual aid
Summary
Statistical analysis shows that in 2015, in China the incidence of malignant tumors was about 0.29% and the mortality rate of malignant tumors was about 0.17% [1]. The main way of internet medical financial support is launching crowd funding to provide certain economic support for the families of poor patients. After the internet mutual aid platform became increasingly popular, fraud incidents emerged one after another because of the lack of official supervision of such public welfare and standardization for clarifying the poverty of receivers [4]. It results in the loss of public enthusiasm for such public welfare crowd funding. It’s valuable to analyze the deficiencies of the national basic medical insurance system and to find the weakness in guarantee mechanism of peer to peer mutual aid platforms
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