参保人对城镇职工医保个人账户的使用、认知、需求及其影响因素分析——以贵州省为例
发布时间：2019-07-23 09:25
【摘要】：目的:分析参保人对城镇职工基本医疗保险个人账户的了解、使用现状,探讨其需求情况,为贵州省及其他地区职工医保个人账户改革提供参考。方法:选取贵州省各单位职工医保参保人为调查对象,通过分发调查问卷收集数据,采用逐步logistic回归分析影响职工对个人账户了解、使用及需求的影响因素。结果:共发放问卷635份,回收有效问卷538份(84.72%)。一半以上的受访者尚未激活医保卡或很少(从未)使用,约15%的受访者曾使用医保卡购买过非医疗产品或将医保卡外借。大多数受访者对个人账户相关政策并不了解。受访者偏好个人账户划入资金同时与工资水平和年龄挂钩或与年龄挂钩,且最想在现有基础上利用个人账户提高自身或家人的医疗保障水平。受访者个人特征、行为习惯、健康状况等均在一定程度影响其对个人账户的使用、了解及需求。结论:医保个人账户使用效率不高,受访者对相关医保政策不了解。个人账户的改革应增强其公平性以及提高自身医疗保障水平功能,还应考虑将保障范围扩大到参保人的配偶或家属。
[Abstract]:Objective: To analyze the understanding and use status of the individual account of the basic medical insurance of the urban and rural workers, and to discuss the demand situation of the insured person, and provide the reference for the reform of the personal account of the workers and workers in Guizhou and other regions. Methods: The medical insurance of each unit of Guizhou province was selected to be an object of investigation. The data were collected through the distribution survey questionnaire, and the influence factors of the employee's understanding, use and demand of the individual account were analyzed by means of the logistic regression analysis. Results: A total of 635 questionnaires were distributed and 538 (84.72%) were collected. More than half of the respondents had not activated a medical card or were rarely used (never), and about 15 per cent of the respondents had purchased a non-medical product or borrowed a medical card from a medical card. Most of the respondents were not aware of the personal account-related policies. The interviewees preferred that the individual account should be transferred to the fund at the same time as the wage and age, or to the age, and to use the personal account to improve the medical security level of the individual or the family on the basis of the existing basis. The individual characteristics, behavior habits and health status of the interviewees have some influence on their use, understanding and demand on the individual account. Conclusion: The use efficiency of the personal account of the medical insurance is not high, and the interviewees do not know the relevant medical insurance policy. The reform of the individual account should enhance its equity and improve the level of health care of its own. It should also consider extending the scope of the guarantee to the spouse or family of the insured person.
【作者单位】： 贵州医科大学医药卫生管理学院;贵州省肿瘤医院;贵州省人力资源和社会保障厅;贵州省人民医院;
【基金】：国家自然科学基金项目“基于环境因素的健康相关生命质量量表开发及效用值积分体系构建”(编号:71463007/G0308) 贵州省科技厅社会攻关项目“基于中国西南地区人群偏好的生命质量研究——构建EQ-5D量表效用积分体系”(编号:黔科合SY字[2013]3068);贵州省科技厅联合基金项目“贵州省农村基层卫生政策执行力及提升路径研究”(编号:黔科合LH字[2015]7342号)
【分类号】：F842.684;R197.1
[Abstract]:Objective: To analyze the understanding and use status of the individual account of the basic medical insurance of the urban and rural workers, and to discuss the demand situation of the insured person, and provide the reference for the reform of the personal account of the workers and workers in Guizhou and other regions. Methods: The medical insurance of each unit of Guizhou province was selected to be an object of investigation. The data were collected through the distribution survey questionnaire, and the influence factors of the employee's understanding, use and demand of the individual account were analyzed by means of the logistic regression analysis. Results: A total of 635 questionnaires were distributed and 538 (84.72%) were collected. More than half of the respondents had not activated a medical card or were rarely used (never), and about 15 per cent of the respondents had purchased a non-medical product or borrowed a medical card from a medical card. Most of the respondents were not aware of the personal account-related policies. The interviewees preferred that the individual account should be transferred to the fund at the same time as the wage and age, or to the age, and to use the personal account to improve the medical security level of the individual or the family on the basis of the existing basis. The individual characteristics, behavior habits and health status of the interviewees have some influence on their use, understanding and demand on the individual account. Conclusion: The use efficiency of the personal account of the medical insurance is not high, and the interviewees do not know the relevant medical insurance policy. The reform of the individual account should enhance its equity and improve the level of health care of its own. It should also consider extending the scope of the guarantee to the spouse or family of the insured person.
【作者单位】： 贵州医科大学医药卫生管理学院;贵州省肿瘤医院;贵州省人力资源和社会保障厅;贵州省人民医院;
【基金】：国家自然科学基金项目“基于环境因素的健康相关生命质量量表开发及效用值积分体系构建”(编号:71463007/G0308) 贵州省科技厅社会攻关项目“基于中国西南地区人群偏好的生命质量研究——构建EQ-5D量表效用积分体系”(编号:黔科合SY字[2013]3068);贵州省科技厅联合基金项目“贵州省农村基层卫生政策执行力及提升路径研究”(编号:黔科合LH字[2015]7342号)
【分类号】：F842.684;R197.1
【相似文献】
相关期刊论文 前10条
1 张黎明,吕军;一种新型农村合作医疗保险制度——嘉定区个人账户与大病社会统筹模式的探索与实践[J];中国农村卫生事业管理;2004年02期
2 吕勇;王晓茹;;小议新型农村合作医疗设立个人账户的做法[J];卫生经济研究;2006年04期
3 李一平;;个人账户并非骗保的“帮凶”[J];中国医院院长;2007年Z1期
4 沈焕根;;个人账户应该保留[J];中国医疗保险;2012年05期
5 沈华亮;;个人账户家庭共享效果几何——深圳市的实践分析[J];中国医疗保险;2012年07期
6 王东进;;应该理性分析妥善处理个人账户问题[J];中国医疗保险;2012年12期
7 金U，
本文编号：2518060
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2518060.html
