This paper constructs assessment indicator system for critical illness insurance policy，to analyze system target，operation process，implementation effect of policy in Taicang，Suzhou，Suqian，Sheyang of Jiangsu province. The analysis results show that the districts with the higher economic development have higher compensation ratio for residents，the districts with the lower economic development have higher family medical burden；in addition，the medical burden of rural families is higher than urban families. On this basis of analysis，this paper provides policy advices to perfect critical illness insurance policy.