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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:

期数:

2019年04期

页码:

13-17

栏目:

医保天地

出版日期:

2019-03-27

文章信息/Info

Title:

Study on the Accuracy of Compensation Plan for Major illness Insurance for Urban and Rural Residents

作者:

姜学夫¹; 吴君槐¹

1.上海师范大学，上海 200234

Author(s):

JIANG Xue-fu; WU Jun-huai

First-author's address：Shanghai Normal University，Shanghai 200234，China

关键词:

大病保险; 补偿方案; 灾难性医疗支出

Keywords:

major illness insurance; compensation plan; Catastrophic medical expenditure

分类号:

F840.684

文献标志码:

A

摘要:

采用中国家庭追踪调查北京市的相关数据，结合北京市大病保险政策，建立大病保险基础补偿方案、收入分层补偿方案、年龄与收入分层补偿方案，并根据三种方案对家庭灾难性医疗支出的发生率、平均差距、相对差距进行测算和比较。结果表明，年龄与收入分层方案能够有效减轻家庭发生灾难性医疗支出的严重程度，虽然新方案可能增加高收入家庭灾难性医疗支出发生率，但是没有增加家庭发生灾难性医疗支出的严重程度。在年龄与收入分层方案下应引入家庭合算政策，减轻多成员家庭的灾难性医疗支出发生强度，体现大病保险补偿方案的公平性以及向低收入人群倾斜的制度特点。

Abstract:

In order improve the fairness of China's major illness insurance system and the accuracy of compensation programs，the article uses the data of China Family Panel Studies about Beijing，combined with its major illness insurance policy，establish a basic major illness insurance compensation plan，income stratification compensation plan，and age and income stratification compensation plan，and compare the probability，average gap and relative gap of family catastrophic medical expenditure. The analysis results show that the age and income stratification plan can effectively reduce the severity of catastrophic medical expenditure of families. Although the new plan may increase the probability of catastrophic medical expenditure of high-income families，it has no impact on families. In order to make the compensation scheme more fair，the family sharing policy should be introduced. In this way，the compensation plan has the characteristics of fairness and institutional orientation to low-income people.

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更新日期/Last Update: 2019-03-27