运用医疗保险给付制度约束抗生素滥用的探讨

目的运用医疗保险的给付制度约束抗生素的滥用.方法通过对目前抗生素滥用情况以及对常用约束抗生素滥用方法的分析,结合医疗保险给付制度,由保险公司作为承保机构,制定抗生素使用保险条款.结果医院对投保者严格按规范进行预防用药,若发生投保者在保险期限内使用抗生素情况,则减免全部或部分抗生素药费,保险收益由医院和保险公司分成.结论运用医疗保险的给付方式,从一定人群一定时期对抗生素的使用费用总量上进行约束,该方法可望能有效控制抗生素滥用.

An exploration on restraining abuse of antibiotics by using medical insurance paying system

Purpose: to restrain abuse of antibiotics by using medical insurance paying system. Method: based on the analysis on currentabuse of antibiotics and the methods commonly to restrain abuse of antibiotics as well as medical insurance paying system, the insurance companyas the insurer will work out insurance terms for using antibiotics. Result: preventive drug application will be carried out strictly by hospital towardspolicyholders, if the situation on policyholders'using antibiotics is found during the insuring period, the expense of antibiotics will be partiallyor totally reduced or relieved, and the income from the insurance will be divided by hospital and insurer. Conclusion: based on medical insurancepaying system, the total expense of antibiotics among certain population and during certain period is restrained, the method hopefully can be usedto effectively control abuse of antibiotics.