CAJ | 학술논문

目的：探讨在西部经济欠发达农村地区，将商业保险引入新型农村合作医疗建立意外伤害保险的必要性、可行性和可能产生的社会意义。方法：对新型农村合作医疗意外伤害保险项目基线调查数据及4个试点县报表资料进行对比和综合分析。结果：试点地区共为1332785名参合农民整体投保，从新型农村合作医疗基金中支付意外伤害保费1066.08万元，截至2012年11月，4个试点县区共受理意外伤害案件3518件，已理赔案件1976件，赔付金额1564.42万元，大大减轻了遭受意外伤害家庭的负担。结论：通过引入商业保险机制，建立新型农村合作医疗意外伤害保险，是当前在西部欠发达农村地区实现意外伤害保障的最佳选择。
목적：탐토재서부경제흠발체농촌지구，장상업보험인입신형농촌합작의료건립의외상해보험적필요성、가행성화가능산생적사회의의。방법：대신형농촌합작의료의외상해보험항목기선조사수거급4개시점현보표자료진행대비화종합분석。결과：시점지구공위1332785명삼합농민정체투보，종신형농촌합작의료기금중지부의외상해보비1066.08만원，절지2012년11월，4개시점현구공수리의외상해안건3518건，이리배안건1976건，배부금액1564.42만원，대대감경료조수의외상해가정적부담。결론：통과인입상업보험궤제，건립신형농촌합작의료의외상해보험，시당전재서부흠발체농촌지구실현의외상해보장적최가선택。
Objective: To discuss the necessity, feasibility and the possible social significance of establishing accident insurance system by introducing commercial insurance pattern into new rural cooperative medical system ( NCMS ) in the western underdeveloped rural areas. Methods: The baseline survey data of the accident insurance system and the data report of the four pilots in Gansu are compared and analyzed. Results: The pilot areas pay the whole insurance for a total 0f 1 332 785 enrollees and 10 660 800 yuan for the accidental injury insurance premium. The four pilot countries have received 3 518 accidental cases up to the November of 2012, 1 976 cases have been solved, and the compensation expense are 15.6 442 million yuan, which greatly reduced the heavy burdens of these families. Conclusion: The best choice to achieve the accidental injury protection in the western underdeveloped rural areas is establishing an accident insurance system by introducing commercial insurance pattern into NCMS.