社会医疗保险吉芬商品属性与多层次保险体系探讨

发布时间：2017-12-27 12:05

本文关键词：社会医疗保险吉芬商品属性与多层次保险体系探讨　出处：《中国卫生经济》2016年09期 　论文类型：期刊论文

【摘要】：医疗保险是政府履行全民健康覆盖责任的重要方式,但也同时面临吉芬商品与非吉芬商品的异质性均衡问题。为了减少医疗保险吉芬商品属性造成的效率损失,财政资金和社会医疗保险应该在责任边界明确的分层分类保障的基础上,合理兼顾财富与生命价值保障效应,并优先满足必要的高质量医疗服务需求,以保障生命价值免遭不可逆健康损害造成的全生命周期贫困。建议通过抑制需求竞争的医疗服务管制、提高基金补偿效率的健康风险治理、因易被误解而错配保险资源的修正机制和通过普惠金融适度贴现生命价值等措施,不断提高社会医疗保险的适度保障效力。
[Abstract]:Medical insurance is an important way for the government to fulfill the responsibility of health coverage for the whole people, but it also faces the heterogeneous equilibrium problem of Jifen goods and non Jifen goods. In order to reduce the efficiency loss caused by the medical insurance Giffen goods property, financial capital and social medical insurance should be clear in the hierarchical classification based security responsibility boundary on the reasonable balance between wealth and value of life protection effect, and give priority to meet the needs of the necessary high quality medical service, the whole life cycle of poverty in order to protect the value of life from irreversible health the damage caused by. Recommendations to curb demand through competition of medical service regulation, improve efficiency of health risk compensation fund management, because of easily misunderstood and mismatch of insurance resources through appropriate correction mechanism and inclusive financial discount the value of life and other measures to improve the effectiveness of appropriate protection of social medical insurance.
【作者单位】：南京审计大学政府审计学院;
【基金】：国家社会科学基金后期资助项目(15FJY017) 江苏省保险学会基金项目(SBX20164A02)
【分类号】：R197.1;F842.684
【正文快照】： 因病致贫依然是我国农村贫困的主要原因,在不断提高社会医疗保险筹资水平的同时,又要应对医疗费用过快增长损害保障效率的难题。根据HUEBNER[1]的生命价值学说,人的财富分为累积实现的财富和蕴含在生命价值中的潜在财富两个部分,生命价值是累积财富的永久性财富来源,等于个体

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