CAJ | 학술논문

目的：以灾难性卫生支出家庭作为重要靶点人群，构建社会医疗保险对这部分家庭经济保障程度的评价方法，以期从一个侧面揭示社会医疗保险的实施效果。方法：采用灾难性卫生支出测算方法，通过模型和指标的构建，从四大方面研究社会医疗保险对灾难性卫生支出家庭的经济保护程度。结果：构建了针对保险报销后免于发生灾难性卫生支出的家庭、仍然发生灾难性卫生支出的家庭以及全部灾难性卫生支出家庭的保险经济保障程度系数，并构建了保险对家庭灾难性卫生支出的作用系数。结论：构建的评价指标可以用于同一保险在不同时期、不同保险在同一时期以及不同保险在不同时期的作用效果的比较分析。
목적：이재난성위생지출가정작위중요파점인군，구건사회의료보험대저부분가정경제보장정도적평개방법，이기종일개측면게시사회의료보험적실시효과。방법：채용재난성위생지출측산방법，통과모형화지표적구건，종사대방면연구사회의료보험대재난성위생지출가정적경제보호정도。결과：구건료침대보험보소후면우발생재난성위생지출적가정、잉연발생재난성위생지출적가정이급전부재난성위생지출가정적보험경제보장정도계수，병구건료보험대가정재난성위생지출적작용계수。결론：구건적평개지표가이용우동일보험재불동시기、불동보험재동일시기이급불동보험재불동시기적작용효과적비교분석。
Objective: Taking the households with catastrophic health expenditure as target group, building the methodology of economic security degree of social medical insurance, so as to reveal the implement effect of social medical insurance. Methods:Applying the method of catastrophic health expenditure and constructing model and index from four aspects to analyze the economic security degree of social medical insurance for catastrophic health expenditure households. Results: A series of indicators for different parts of the households, including households eliminating catastrophe after reimbursement, households remaining in catastrophe after reimbursement and households trapped into catastrophe before reimbursement has been established. In addition, the intensity indicator of the integrated impact on health insurance for the households has been constructed. Conclusion:The chonstructed indicators can be used to compare the effects of the same kind of health insurance at different times, different kinds of health insurance at the same time and different kinds of health insurance at different time.