[1]李红艳,陈志浩,皇甫慧慧,等.大病保险对居民灾难性医疗支出的影响研究[J].卫生经济研究,2025,42(03):28-32.
　LI Hongyan,CHEN Zhihao,HUANGFU Huihui,et al.Study on the Impact of Critical Illness Insurance on Catastrophic Medical Expenditure of Residents[J].Journal Press of Health Economics Research,2025,42(03):28-32.
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大病保险对居民灾难性医疗支出的影响研究
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卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
42
期数:
2025年03期
页码:
28-32
栏目:
医疗保障
出版日期:
2025-03-04

文章信息/Info

Title:
Study on the Impact of Critical Illness Insurance on Catastrophic Medical Expenditure of Residents
作者:
李红艳1; 陈志浩1; 皇甫慧慧2; 吴傲阳3
1.上海工程技术大学管理学院，上海 201620
2.南京中医药大学养老服务和管理学院，江苏 南京 210023
3.上海市中心医院，上海 200120
Author(s):
LI Hongyan;  CHEN Zhihao;  HUANGFU Huihui;  WU Aoyang
School of Management, Shanghai University of Engineering Science, Shanghai 201620, China
关键词:
大病保险; 灾难性医疗支出; 影响因素; 解释结构模型
Keywords:
critical illness insurance;  catastrophic medical expenditure;  influencing factors;  interpretative structural modeling
分类号:
R19
文献标志码:
A
摘要:
目的：探讨大病保险对灾难性医疗支出的影响，为优化大病保险补偿方案、降低灾难性医疗支出提供参考。方法：运用Logit模型和倾向得分匹配法分析大病保险对灾难性医疗支出的影响，采用解释结构模型评估灾难性医疗支出的影响因素。结果：参加大病保险使灾难性医疗支出发生率降低16.51%，消除内生性问题后影响仍然显著；住院经历、大病保险参与是影响灾难性医疗支出的表层因素，慢性病、自评健康状况、受教育程度、家庭规模和婚姻状况是中层因素，户口类型和家庭人均收入是深层因素。结论：大病保险能缓解灾难性医疗支出，但缺乏针对性；应根据不同群体特征设计差异化补偿方案，加大对农村居民的政策倾斜力度，拓宽大病保险的保障范围。
Abstract:
Objective To explore the impact of critical illness insurance on catastrophic medical expenditure, and to provide reference for optimizing the compensation scheme of critical illness insurance and effectively reducing catastrophic medical expenditure. Methods Logit model and propensity score matching method were used to analyze the impact of critical illness insurance on catastrophic medical expenditure, and interpretative structural modeling method was used to assess the influencing factors of catastrophic medical expenditures. Results Participation in critical illness insurance reduced the incidence of catastrophic medical expenditure by 16.51%, and the effect was still significant after eliminating endogenous problems. Interpretative structural modeling showed that hospitalization history and participation in critical illness insurance were surface factors that affected catastrophic medical expenditure, and chronic diseases, self-rated health status, educational level, family size and marital status were intermediate factors, while hukou type and per capita family income were fundamental factors. Conclusion Critical illness insurance can alleviate catastrophic medical expenditure, but it lacks targeting. It is necessary to design differentiated compensation scheme according to the characteristics of different groups, increase the policy preference for rural residents, and broaden the coverage of critical illness insurance.

参考文献/References:

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更新日期/Last Update: 2025-03-04