CAJ | 학술논문

目的考察外来务工人员医疗保险选择行为的特征及影响因素,为优化医疗保险制度提供依据.方法采用问卷调查、统计描述和logistic多元回归分析方法,分析外来务工人员对医疗保险形式的认知、参加医疗保险的情况及对医疗保险制度的评价等.结果外来务工人员中有47.51%选择城镇职工医疗保险,有23.89%选择农民工医疗保险;教育程度、收入水平、保障程度、缴费与受益、定点医疗机构技术满意度、定点医疗机构服务满意度与医疗保险选择行为显著相关.结论外来务工人员有不同层次的医疗保险需求;与补偿功能相比,外来务工人员更看重医疗保险带来的安全感;更人性化的医疗服务可增进其福利.
목적고찰외래무공인원의료보험선택행위적특정급영향인소,위우화의료보험제도제공의거.방법 채용문권조사、통계묘술화logistic다원회귀분석방법,분석외래무공인원대의료보험형식적인지、삼가의료보험적정황급대의료보험제도적평개등.결과 외래무공인원중유47.51%선택성진직공의료보험,유23.89%선택농민공의료보험;교육정도、수입수평、보장정도、격비여수익、정점의료궤구기술만의도、정점의료궤구복무만의도여의료보험선택행위현저상관.결론 외래무공인원유불동층차적의료보험수구;여보상공능상비,외래무공인원경간중의료보험대래적안전감;경인성화적의료복무가증진기복리.
Objective To investigate the characteristics and underlining reasons of the medical insurance choices of migrant workers for optimizing the medical insurance system. Methods Questionnaire survey,statistics description and logistic multiple regression were called into play, to analyze the awareness of medical insurance by migrant workers, their coverage of medical insurance, and their comment on medical insurance system.Results 47.51% of the migrant workers surveyed chose the medical insurance for urban workers, 23.89% chose that for migrant workers. Education background, income, security status, payment and benefit, technical satisfaction and service satisfaction for designated medical institutions, are significantly correlated to their choice behavior of medical insurance.Conclusion Migrant workers need medical insurance at different levels; compared to the compensation function, they prefer the sense of security from the medical insurance they choose; people-oriented service may better their wellbeing.