[1]王 群,肖杰雄,杨震宇.应对惠民保逆向选择问题的创新做法研究[J].卫生经济研究,2024,41(04):61-65.
　WANG Qun,XIAO Jiexiong,YANG Zhenyu.Study on Innovative Practices to Deal with the Problem of Adverse Selection Problem in Huimin Insurance[J].Journal Press of Health Economics Research,2024,41(04):61-65.
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应对惠民保逆向选择问题的创新做法研究
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
41
期数:
2024年04期
页码:
61-65
栏目:
医疗保障
出版日期:
2024-03-29

文章信息/Info

Title:
Study on Innovative Practices to Deal with the Problem of Adverse Selection Problem in Huimin Insurance
作者:
王 群1; 肖杰雄1; 杨震宇1
1.大连理工大学公共管理学院，辽宁 大连 116024
Author(s):
WANG Qun;  XIAO Jiexiong;  YANG Zhenyu
School of Public Administration and Policy, Dalian University of Technology, Dalian Liaoning 116024, China
关键词:
惠民保; 逆向选择; 筹资机制; 保障待遇; 增值服务
Keywords:
Huimin insurance;  adverse selection;  financing mechanism;  security benefits;  value-added services
分类号:
F840.684
文献标志码:
A
摘要:
惠民保作为一款社商融合保险，在我国多层次保障体系中占有重要地位，但也存在较大的逆向选择风险。对此，在总结各地创新做法的基础上，从筹资机制、保障待遇、增值服务三个方面提出惠民保逆向选择的应对之策：完善惠民保筹资机制，进一步提高参保率和续保率；优化惠民保保障待遇设计，进一步打造全方位保障体系；改善惠民保增值服务设计，进一步提升用户获得感。
Abstract:
As a social and business integration insurance, Huimin insurance plays an important role in multi-level security system in China, but there is also a greater risk of adverse selection. In this regard, on the basis of summarizing the innovative practices in 293 prefecture-level cities and 4 municipalities, countermeasures to deal with the problem of adverse selection in Huimin insurance from three aspects: financing mechanism, security benefits, and value-added services have been proposed. It is necessary to improve the financing mechanism of Huimin insurance to further increase the participation rate and renewal rate, optimize the design of the security benefits of Huimin insurance to further build an all-around security system, and improve the design of value-added services of Huimin insurance to further enhance the sense of gain of the participants.

参考文献/References:

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更新日期/Last Update: 2024-03-29