| 引用本文: |
俞纯璐,陈文,邹海燕,等.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.[点击复制] |
Yu Chunlu,Chen Wen,Zou Haiyan,et al.Research on the Development Status and Trends of Inclusive Voluntary Health Insurance in China[J].CHINESE HEALTH ECONOMICS,2023,42(9):33-35,59.[点击复制] |
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| 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 |
| DOI： |
| 投稿时间：2023-06-20 |
| 基金项目:国家社会科学基金重大项目 （20ZDA072） |
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| Research on the Development Status and Trends of Inclusive Voluntary Health Insurance in China |
| Yu Chunlu,Chen Wen,Zou Haiyan,Wu Ruoyu,Zhang Luying |
| (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. |
| Key words: inclusive voluntary health insurance security capability security level development trend |
