医疗保障与老年人医疗服务需求的实证分析

发布时间：2018-05-20 15:46

本文选题：医疗保障 + 医疗服务需求　；参考：《上海经济研究》2013年10期

【摘要】：根据2008年全国老年人口健康状况调查(CLHLS),选取Stepwise和Logistic两种回归模型实证分析医疗保障对我国65岁以上老年人医疗服务需求的影响,得出以下结论:第一,医疗保障显著促进了老年人对医疗服务的需求,使其家庭医疗负担得以降低、及时就医率得以提升。虽然大病保险这一保障形式没有通过显著性检验,但其回归方向较为稳定。第二,不同的医疗保障政策对老年人医疗服务需求的促进效果有所差异。医疗保障在提升老年人及时就医率上所起的作用基本是均匀的,但在降低家庭医疗负担方面,合作医疗发挥的效果最差。第三,医疗保障对老年人医疗服务需求利用的影响存在显著的城乡差异。医疗保障在城镇地区发挥的效果要高于农村地区,农村老人未能及时就医的比率明显低于城镇老人。最后在研究结论的基础上提出加快完善补充医疗保险,提升老年人参与商业医疗保险的意愿、加大公共财政对合作医疗的投入力度、适度增加合作医疗在慢性病方面的医疗服务以及医疗保障政策的灵活性等建议。
[Abstract]:According to the 2008 National elderly population Health Survey, Stepwise and Logistic regression models were selected to empirically analyze the impact of medical security on the medical service demand of the elderly aged over 65 in China. The conclusions are as follows: first, Medical security has significantly promoted the elderly's demand for medical services, reduced their family medical burden, and increased the rate of timely access to medical care. Although the insurance form of serious illness does not pass the significance test, its return direction is relatively stable. Second, the effects of different medical security policies on the elderly medical service demand are different. The effect of medical security on improving the rate of timely medical treatment for the elderly is basically uniform, but the effect of cooperative medical care is the worst in reducing the burden of family medical care. Thirdly, there are significant differences between urban and rural areas in the influence of medical security on the utilization of elderly medical services. The effect of medical security in urban areas is higher than that in rural areas, and the rate of failure to seek medical treatment in rural areas is obviously lower than that in urban areas. Finally, on the basis of the conclusion of the study, it is proposed to speed up the improvement of supplementary medical insurance, to enhance the willingness of the elderly to participate in commercial medical insurance, and to increase the investment of public finance in cooperative medical care. Moderate increase cooperative medical care in chronic diseases and medical care policy flexibility and other suggestions.
【作者单位】：中南财经政法大学公共管理学院;
【分类号】：C913.7;F842.6

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