| 我国普惠型商业医疗保险的发展现况及趋势研究 |
| |
| 引用本文： | 俞纯璐,陈文,邹海燕,武若瑜,张璐莹. 我国普惠型商业医疗保险的发展现况及趋势研究[J]. 中国卫生经济, 2023, 42(9): 33-35,59 |
| |
| 作者姓名： | 俞纯璐 陈文 邹海燕 武若瑜 张璐莹 |
| |
| 作者单位： | 复旦大学公共卫生学院 上海 200032 |
| |
| 基金项目： | 国家社会科学基金重大项目 （20ZDA072） |
| |
| 摘 要： | 目的:分析我国普惠型商业医疗保险的发展现况和趋势,为其可持续发展提供参考。方法:系统收集全国2021—2022年度普惠型商业医疗保险的保障方案信息,对比分析其保障能力、保障水平及发展趋势。结果:普惠型商业医疗保险的覆盖面迅速扩大,保障能力有所提升。受益的前置条件放宽,保障范围拓展,平均起付线不变,平均报销比例降低,综合封顶线提高。结论:当前在普惠型商业医疗保险的发展过程中,需重点关注参保的可持续性和保障待遇的稳定性。
|
| 关 键 词： | 普惠型商业医疗保险 保障能力 保障水平 发展趋势 |
| 收稿时间： | 2023-06-20 |
Research on the Development Status and Trends of Inclusive Voluntary Health Insurance in China |
| |
| Yu Chunlu,Chen Wen,Zou Haiyan,Wu Ruoyu,Zhang Luying. Research on the Development Status and Trends of Inclusive Voluntary Health Insurance in China[J]. Chinese Health Economics, 2023, 42(9): 33-35,59 |
| |
| Authors: | Yu Chunlu Chen Wen Zou Haiyan Wu Ruoyu Zhang Luying |
| |
| Affiliation: | School of Public Health, Fudan University, Shanghai, 200032 , China |
| |
| Abstract: | Objective: To analyze the development status and trends of inclusive voluntary health insurance (IVHI) in China and provide references for its sustainable development. Methods: The information on IVHI in China from 2021 to 2022 was systematical- ly collected. The development trends of its security capability and security level were analyzed using the comparative analysis method. Results: The coverage of IVHI in China is rapidly expanding, and the security capability is getting better. The prerequisites for ob- taining compensation are being relaxed and the range of services that are covered is increasing. The average deductible remains un- changed, the average reimbursement ratio is decreased, and the comprehensive cap line is raised. Conclusion: Nowadays, in the de- velopment of IVHI, it needs to give attention to the sustainability of participation and the stability of security treatment. |
| |
| Keywords: | |
|
| 点击此处可从《中国卫生经济》浏览原始摘要信息 |
|
点击此处可从《中国卫生经济》下载免费的PDF全文 |
|
