我国医疗保险保障公平性与精准化改进研究——基于灾难性医疗支出界定、细分与福利评价

发布时间：2018-02-25 19:00

本文关键词： 灾难性医疗支出医疗保险收入差异福利改进　出处：《保险研究》2017年03期 　论文类型：期刊论文

【摘要】：以往研究和实践往往主观设定灾难性医疗支出,这有碍医疗保险保障公平性与精准化,从而影响社会整体福利改进。本文发现,医疗自负与收入约束的关系影响医疗服务需求对医疗保险补偿水平的反应敏感度,据此采用我国微观数据建立面板门槛回归模型进行实证分析。结果表明:我国整体灾难性医疗支出标准为家庭年度医疗服务自负金额超过收入的41.21%;低收入、中低收入和中收入组的灾难性医疗支出标准分别为14.20%、32.24%和56.07%,而中高收入和高收入组的可能更高;细分后的总体灾难性医疗支出发生率变化不大,但层级差异更加明显,产生再分配效应,有利于提升社会总体福利。
[Abstract]:Previous research and practice often subjective set catastrophic medical expenditure, which hinders the fairness and accuracy of health insurance, thus affecting the overall social welfare improvement. The relationship between medical conceit and income constraint affects the sensitivity of medical service demand to the level of medical insurance compensation. The empirical analysis is based on the panel threshold regression model based on the micro data of our country. The results show that the total catastrophic medical expenditure in China is 41.21% of the family's annual medical service income, low income, low income, low income, low income, low income, low income, low income and low income. The catastrophic medical expenditure standards of the middle and middle income groups were 14.20% 32.24% and 56.07%, respectively, while those of the middle and high income groups were higher than those of the middle and high income groups. The effect of redistribution is beneficial to the promotion of the overall welfare of the society.
【作者单位】：山东财经大学保险学院;南开大学金融学院;南开大学中国特色社会主义经济建设协同创新中心;中国医疗保险研究会;
【基金】：泰山学者工程专项经费(No.tsqn20161041) 教育部人文社会科学研究项目基金(Grant No.14YJA630088)的资助
【分类号】：F842.684;R197.1

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