CAJ | 학술논문

目的：测算社会医疗保险对发生家庭灾难性卫生支出的重要靶点人群的经济保障程度。方法：采用灾难性卫生支出测算方法以及重要靶点人群社会医疗保险经济保障程度的评价方法，以新型农村合作医疗保险制度为研究对象。结果：新农合使黑龙江省农村家庭灾难性卫生支出发生率降低了11.82%，使保险补偿后免于发生灾难性卫生支出家庭的灾难性卫生支出严重程度平均降低了5.46%，使保险补偿后仍处于灾难性卫生支出家庭的这一比例降低了18.22%，保险的作用系数达到0.66。结论：新农合在减少和缓解黑龙江省农村家庭灾难性卫生支出方面起到了积极作用，但政府仍需重点关注发生严重家庭灾难性卫生支出的这部分重要靶点人群，以进一步提高保险的经济保障程度。
목적：측산사회의료보험대발생가정재난성위생지출적중요파점인군적경제보장정도。방법：채용재난성위생지출측산방법이급중요파점인군사회의료보험경제보장정도적평개방법，이신형농촌합작의료보험제도위연구대상。결과：신농합사흑룡강성농촌가정재난성위생지출발생솔강저료11.82%，사보험보상후면우발생재난성위생지출가정적재난성위생지출엄중정도평균강저료5.46%，사보험보상후잉처우재난성위생지출가정적저일비례강저료18.22%，보험적작용계수체도0.66。결론：신농합재감소화완해흑룡강성농촌가정재난성위생지출방면기도료적겁작용，단정부잉수중점관주발생엄중가정재난성위생지출적저부분중요파점인군，이진일보제고보험적경제보장정도。
Objective: Measure the degree of economic compensation of social medical insurance on target households which had catastrophic health expenditure. Methods: Apply the method of catastrophic health expenditure and the methodology of economic security degree of social medical insurance on target population, taking the new rural cooperative medical insurance as the research object. Results: The incidence of catastrophic health expenditure(CHE) for rural households in Heilongjiang was reduced by 11.82%under the function of New Rural Cooperative Medical System(NCMS). The severity of CHE was alleviated by an average of 5.46% for households that eliminated catastrophe after reimbursement. For those remaining in catastrophe after reimbursement, the severity of CHE was reduced by 18.22%. The function coefficient of the NCMS on reducing the CHE was 0.66. Conclusion: NCMS had reduced and alleviated the severity of the impact of catastrophic health expenditure on rural households; however, the government still needs to focus on the important target group suffered CHE.