| 引用本文: |
徐伟,白婕,江欣禅.城乡居民医疗保险“多缴多得”的经济激励效果检验[J].中国卫生经济,2016,(12):24-26.[点击复制] |
.The inspection of economic incentive of“the more premium, the more reimbursement" for the the Medical Insurance System for Urban and Rural Residents[J].CHINESE HEALTH ECONOMICS,2016,(12):24-26.[点击复制] |
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| 摘要: |
| 目的：检验“多缴多得”政策对居民参保的经济激励效果。方法：基于参保人理性选择的视角，建立个人缴费及赔付的精算现值模型，借助补偿收益率指标，测算不同缴费档次模式下的成本收益情况。结果：选择在医疗消费支出高的年龄参保、选择低档次缴费是参保人的理性选择，该政策起到了相反的经济激励效果，即多缴并不能够多得。结论：“多缴多得”的政策设计违背了基本医疗保险的公平性原则，不利于制度的良好稳定发展及社会公平性维护，应当从完善长效筹资机制，实行强制参保入手，消除参保过程中的逆向选择。 |
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| The inspection of economic incentive of“the more premium, the more reimbursement" for the the Medical Insurance System for Urban and Rural Residents |
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| Abstract: |
| Objective：To inspect the economic incentive of“the more premium, the more reimbursement" for the the Medical Insurance System for Urban and Rural Residents. Method: Based on the perspective of rational choice of the insured, the study builds the actuarial present value models for individual pay cost and compensation, using the index of compensation yield,we examine the financially encourage participation in insurance by different payment grades. Result: The rational choices of the insured is low payment grade and insured at the high medical consume age, that is , “the more premium, the more reimbursement" police have no economic incentive effect. Conclusion: this policy is a breach of the principle of fairness, is not conducive to benign operation of the system and stable development of the society. we should improve the long-term financing mechanism, implement compulsory insurance and eliminate the adverse selection. |
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