医保基金结余现状分析与大病保险筹资标准及保障水平研究

发布时间：2019-03-08 11:08

【摘要】：目的:了解基本医保基金结余和病人个人负担情况,提出建立大病保险的建议。方法:采用描述统计分析方法分析基金结余和病人负担情况。结果:政策范围内报销比例与实际报销比例差距较大,个人负担重与基金结余过多并存。结论:应进一步放大医保基金保障效用,实行大病保险,提高实际报销比例,减轻医保病人个人负担。
[Abstract]:Objective: to understand the balance of basic medical insurance fund and the patient's personal burden, and put forward the suggestion of establishing serious illness insurance. Methods: the fund balance and patient burden were analyzed by descriptive statistical analysis. Results: there was a big difference between the reimbursement ratio and the actual reimbursement ratio in the policy scope, and the heavy personal burden coexisted with the excess fund balance. Conclusion: it is necessary to enlarge the guarantee effect of medical insurance fund, to carry out serious disease insurance, to increase the proportion of actual reimbursement, and to lighten the personal burden of medical insurance patients.
【作者单位】：广西医科大学公共卫生学院;广西壮族自治区发展和改革委员会社会处;广西医科大学;
【基金】：广西自治区发改委、自治区医改办委托研究课题(03301212005)
【分类号】：F842.6

【参考文献】