我国医疗保障体系保障能力测算

文章从卫生总费用的角度探究我国医疗保障体系的保障能力,依据医疗保障制度覆盖程度、人均医疗总费用以及人均医疗费用支出测算我国医疗保障体系的社会共付比,即保障制度风险分担的能力。测算表明,2010年我国已有近95%的人口被医疗保障制度所覆盖,2009年我国全社会人均医疗费用为953.5元,全社会人均支付比例为51.7%,且呈逐年下降趋势。在各种保障制度的风险分担下,居民个人医疗费用支付比为48.8%,保障能力稳步提高,保障制度抵御疾病经济风险的能力逐渐显现。

Analysis of the Insurance Ability of Medical Insurance System China

The article aims to explore the insurance ability of medical insurance system(MIS) China in the perspective of totel expenditure on health(TEH).According to the coverage of MIS,medical expenditure per capita,out-of-pocket health expenditure,estimate of the insurance ratio of MIS show the insurance ability of MIS currently in China.Studies show that nearly 95% of China’s population is covered by MIS by 2010.In 2009,medical expenditure per capita is $953.5 totally,the fee per capita ratio of whole society is 51.7% on the decline.With the risk-sharing of MIS,the ratio of out-of-pocket health expenditure is 48.8%.The insurance ability of MIS increases steadily.The ability of against health risk gets achievements.