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近年来，中国大病保险取得了显著发展，但其制度建设仍相对滞后，对于大病保险的性质、法律适用等问题并未形成统一认识，影响该项制度的持续发展。在中国保险法律制度体系下，结合社会保险与商业保险的区别进行分析，大病保险所具有的社会属性并不构成其本质属性，将其界定为一种政策性的商业保险更符合当前操作模式，利于解决实践中的问题。大病保险适用《保险法》，建议在《保险法》中对大病保险做出特别规定，并通过制定《大病保险条例》为大病保险提供制度依据。

Research on Nature of Critical Illness Insurance and Applicable Law

In recent years, Critical Illness Insurance in China has achieved remarkable development, but its system construction is relatively lagging, and the nature and applicable law of Critical Illness Insurance are still not solved, obstructing the sustainable development of the system. In China's insurance legal system, considering the difference between social insurance and commercial insurance, the social attribute of Critical Illness Insurance does not constitute its essential attribute. Therefore, it is better to be defined as a kind of commercial insurance. Since Insurance Law applies to Critical Illness Insurance, it is suggested that special provision of Critical Illness Insurance should be added in Insurance Law and that Critical Illness Insurance Regulation should be legislated to provide system basis for Critical Illness Insurance.