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新型农村合作医疗筹资水平与筹资能力分析
引用本文:于保荣,孟庆跃,严非,程晓明.新型农村合作医疗筹资水平与筹资能力分析[J].中国卫生经济,2008,27(9):51-53.
作者姓名:于保荣  孟庆跃  严非  程晓明
作者单位:1. 山东大学卫生管理与政策研究中心,济南,250012
2. 复旦大学公卫学院,上海,200032
3. AOK-Consult GmbH Germany
基金项目:欧盟资助农村医疗保障项目
摘    要:2006年,全国新型农村合作医疗制度对住院费用的平均补偿水平为23.2%,补偿水平低是新型农村合作医疗制度普遍缺乏吸引力的原因之一。提高补偿水平的基础是提高筹资水平,文章研究的目的是探索目前年人均10.0元的个人筹资标准进一步增加的可行性与可能性。研究在山东和宁夏的各3个县中进行,定量调查6147户居民,定性访谈127组对象。研究发现,人均10.0元的筹资水平占居民人均纯收入的0.2%~0.3%;各县分别有20.8%~63.9%的参合家庭愿意多缴纳参合费,这部分家庭愿意缴纳的参合费平均额为24.5~63.5元;各县人均愿意缴纳参合费的最高额为200.0~1000.0元;各县购买商业医疗保险的人口比例为5.7%~28.0%,年人均缴纳的商业保险费用为280.1~844.2元。不同的利益相关者都认为进一步提高个人筹资额是可行的,作者认为将参合费提高到50.0元是可行的。

关 键 词:新型农村合作医疗  保险费  医疗保险  筹资

The possibility of increasing the premium level for new cooperative medical scheme in rural China
Dobberschuetz Karin.The possibility of increasing the premium level for new cooperative medical scheme in rural China[J].Chinese Health Economics,2008,27(9):51-53.
Authors:Dobberschuetz Karin
Abstract:The average reimbursement accounted for 23.2% of inpatient expenditure for the new cooperative medical scheme (NCMS) beneficiaries in 2006 nationally, and the low benefit level is one aspect that caused the NCMS lack of attraction to rural population. The premise of improving benefit package is to increase the premium, and main purpose of this study is to explore the possibility and feasibility to increase premium. The study was conducted in 6 counties sampled from Shandong Province and Ningxia province. Totally 6 147 households were surveyed with quantitative questionnaire and in-depth individual interviews were done within 127 groups of interviewers, including target population (residents and people suffered from catastrophic illness), policy makers (government officers from health bureau, civil affairs department, financial department, township government), managers (NCMS management office, different level hospitals), and health workers (different level). The study shows the current premium 10 Yuan accounted for only 0.2%~0.3% of annual net income per capita, and the proportion of beneficiary households that showed willingness to pay higher premium accounted for 20.8%~63.9% across 6 counties. For these 20.8%~63.9% households, the mean premium they would like to pay varied between 24.5~63.5Yuan, the maximum premium they preferred to pay varied between 200.0~1 000.0 Yuan, across counties. The proportion of population that bought commercial health insurance varied between 5.7%~28.0%, and the mean premium varied between 280.1~844.2 Yuan, across counties. Different stakeholders conceived it was possible and feasible to increase the premium for NCMS, and the author recommended improving the premium to at least 50.0 Yuan.
Keywords:new cooperative medical scheme  premium  medical insurance  health financing
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