[1]李洁莹,田文华.上海市居民大病保险筹资个人缴费意愿研究[J].卫生经济研究,2020,(07):52-55.
　LI Jie-ying,TIAN Wen-hua.Research on Shanghai Resident's Willingness to Pay Funds for Critical Illness Insurance Finacing[J].Journal Press of Health Economics Research,2020,(07):52-55.
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上海市居民大病保险筹资个人缴费意愿研究
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
期数:
2020年07期
页码:
52-55
栏目:
医保天地
出版日期:
2020-06-30

文章信息/Info

Title:
Research on Shanghai Resident's Willingness to Pay Funds for Critical Illness Insurance Finacing
作者:
李洁莹1; 田文华1
1.复旦大学社会发展与公共政策学院，上海 200433
Author(s):
LI Jie-ying; TIAN Wen-hua
School of Social Development and Public Policy，Fudan University， Shanghai 200433，China
关键词:
大病保险; 筹资; 个人缴费; 意愿支付额; 上海
Keywords:
critical illness insurance; financing; personal payment; willingness to pay;  Shanghai
分类号:
F840.684
文献标志码:
A
摘要:
目的：调查上海市居民对大病保险筹资的个人缴费意愿，并分析其影响因素，为完善上海市大病保险的筹资机制提供依据。方法：通过问卷调查收集数据，利用Ordered Logistic回归模型，分析在不同假定补偿金时居民对个人缴费的最大意愿支付额及其影响因素。结果：近八成居民在大病保险筹资中愿意接受个人缴费；在假定补偿金分别为10万元、30万元、50万元和100万元时，大部分居民对个人缴费的最大意愿支付额相应为200元、300元、500元和1 000元；年龄、受教育程度、自评健康、收入，以及对大病保险的了解程度，是影
Abstract:
Objective To investigate Shanghai residents' personal willingness to pay for critical illness insurance financing， analyze its influencing factors，and to provide a basis for perfecting Shanghai's critical illness insurance financing mechanism. Methods Collect data through questionnaire survey and use Ordered Logistic regression model to analyze the maximum willingness of residents to pay individual contributions and their influencing factors under different assumed compensation. Results Nearly 80% of residents are willing to accept personal payment in the financing of critical illness insurance； when the compensation is assumed to be 100 000 yuan，300 000 yuan，500 000 yuan and 1 million yuan，most residents' maximum willingness to pay for 200 yuan，300 yuan，500 yuan，and 1 000 yuan respectively；age，education， self-rated health，income，and knowledge of serious disease insurance are the main factors that affect the maximum willingness to pay. Conclusion Explore the financing model of critical illness insurance based on basic medical insurance and supplemented by personal contributions，strengthen the promotion of critical illness insurance policies，increase the willingness of the population to purchase critical illness insurance，stabilize the funding sources of critical illness insurance funds，and ensure the sustainability of the critical illness insurance system run.

参考文献/References:

[1] 朱铭来,于新亮,宋占军. 我国城乡居民大病医疗费用预测与保险基金支付能力评估[J]. 保险研究, 2013 (5): 94-103.
[2] 李阳，段光锋，袁丽,等. 我国大病保险发展趋势分析——基于三种典型模式[J].卫生经济研究, 2018 (4): 17-19.
[3] 董曙辉. 关于大病保险筹资与保障范围的思考[J]. 中国医疗保险, 2013 (4): 9-11.
[4] 宋占军,李海燕,朱铭来. 上海市职工医保个人账户购买商业健康保险的实践与探索[J]. 上海保险, 2019 (2): 45-47.

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更新日期/Last Update: 2020-06-30