医疗保险对医疗质量影响的研究  

The Study of the Effect of Health Insurance on Medical Care QuaUty

作　　者：王箐[1] 

机构地区：[1]北京大学中国卫生发展研究中心博士后,北京100191

出　　处：《经济与管理研究》2012年第10期24-31,共8页Research on Economics and Management

基　　金：教育部哲学社会科学研究重大课题攻关项目“深化医药卫生体制改革研究”(09JZD0031)

摘　　要：在中国医疗市场上,医疗保险能否实现改善医疗质量,保障居民健康的政策目标有待探讨。理论分析表明,患者参加医疗保险能够降低患者的治疗时间,且患者自付比例与治疗时间成正比。如果医院进行实质竞争,医疗保险能提高医疗质量,且患者自付比例与医疗质量成反比。基于省级数据,对社会医保的实证检验证实了该理论结论。健康险的发展能够改善医疗质量,但限于其发展阶段和特点,还不能有效控制患者的住院时间。The effects of medical insurance on medical care quality and residential health in China remain to be discussed. Theoretical model shows that medical insurance can reduce treatment time. The larger the proportion of patient copayment, the longer the treatment time is. If hospitals compete in essence, it is expected that the introduction of insurance can improve quality, and the quality is inversely proportional to the level of patient cost - share. Based on the provincial data, the empirical study of social medical insurance confirms the theoretical conclusion. Commercial health insurance can improve the quality of care. However, due to the limits of its development phase and characteristics, commercial health insurance can not effectively control the length of hospital stay .

关 键 词：社会医疗保险 健康险 治疗时间 医疗质量 

分 类 号：F840.613[经济管理—保险]