CAJ | 학술논문

大病保险起付线、报销比例和封顶线的设计不能照搬某一模式,应根据本地经济发展水平、人口结构、疾病风险状况、医疗消费水平等,选择适合本地的补偿方案,并根据保障效果及基金支付能力适时进行调整,以确保适合当地实际.
대병보험기부선、보소비례화봉정선적설계불능조반모일모식,응근거본지경제발전수평、인구결구、질병풍험상황、의료소비수평등,선택괄합본지적보상방안,병근거보장효과급기금지부능력괄시진행조정,이학보괄합당지실제.
The design of deductibles, reimbursement ratio and upper-limits of catastrophic diseases insurance cannot copy certain modes. A local compensation mode should be made based on the level of local economic development, population structure, disease risk status and medical service standards. It should be timely adjusted according to the actual security effect and fund payment ability to ensure that it meets local requirement.