摘要：随着我国医疗水平的提升，重大疾病癌症不再是“不治之症”。虽然目前我国的医疗保险保障范围和报销的比例大幅度提高，但是在面对癌症治疗昂贵的医疗费用时，医疗保险只是“杯水车薪”的问题就愈发的凸显。此时越来越多的人群需要防癌保险给予支持和维持其积极治疗，防止家庭因为罹患癌症所引发的一系列连锁反应，这就使得防癌保险在我国健康医疗保险当中将拥有举足轻重的作用。本文旨在通过系统分析商业防癌保险的状况，总结出我国新的医疗制度下防癌保险存在的相关问题。以及商业防癌保险在发展的过程中必须采取的对策，这样一来不仅可以调动消费者的购买积极性，也更加能够消除公众对癌症治疗的恐惧，同时防癌保险的经营和我国的经济发展有着不可忽视的影响。 48972

毕业论文关键词：重大疾病，医疗制度，防癌保险，现状，问题，对策。

Analysis on the problems and Countermeasures of commercial anti-cancer risk exists

Abstract: With the development of medical system in our country, cancer which used to be a major disease is no longer  incurable now. Although the scale of medical insurance and the proportion of medical expenses have been greatly improved, in face of the expensive medical fees in treating cancers, the effect of medical insurance is becoming much weaker, compared with such a heavy disease. Now anti-cancer insurance is needed by more and more people to support and maintain the active treatment, thus preventing families from series of chain reflection caused by cancers, which makes the anti-cancer insurance become extremely important in the area of medical insurance. In the essay, I make a general conclusion of the problems that the anti-cancer insurance has under the new medical system by analyzing the situation. Along with the continuous development of commercial anti-cancer insurance, measures must be taken to both motivate the active purchase and eliminate the fear that the public faces, when the cancer is treated. Such measures will leave a noticeable influence on the management of anti-cancer insurance and our economy development. 

Keywords: Major diseases , Medical care system，Cancer insurance，Development status，Question，Countermeasures 。

目录

一、绪论 1

（一）研究背景 1

（二）研究的意义与目的 1

1、理论意义 1

2、现实意义 2

（三）研究方法 2

（四）创新与不足 3

二、文献综述 4

（一）国外研究综述 4

（二）国内研究综述 4

三、防癌保险的概述 5

（一）核心概念 6

（二）类型 6

四、相关基础理论 7

（一）社会福利理论 7

（二）需求层次理论 7

五、商业防癌保险的现状及前景 8

六、商业防癌保险存在的问题进行实证调查--以Y保险公司为例 11

（一）调查方法 11

1、问卷调查法 11

2、访谈法 11