医疗保险对我国农村老年人健康需求的影响研究  

Analysis on Medical Insurance Impact on Chinese Rural Elders’ Health Demand

作　　者：温劭君[1] 宋世斌[2] 

机构地区：[1]生命人寿保险股份有限公司,广东深圳518048 [2]中山大学岭南学院,广州510275

出　　处：《中国卫生经济》2013年第7期24-26,共3页Chinese Health Economics

基　　金：国家社会科学基金重点项目(09AZD039)

摘　　要：采用2005—2008年"中国老年人健康长寿影响因素调查数据"深入分析了医疗保险对我国农村老人健康需求的影响,发现医疗保险使老人的总医疗支出显著增加约19%,但没有显著延长其预期寿命,也未能显著降低他们的死亡风险。这意味着,医疗保险所诱发的我国农村老人的健康需求很可能是无效的。为让我国农村老人"病有所医",政府应努力改善他们的医疗保障,并加强控制医疗服务价格的不合理增长。The data is taken from Chinese Longitudinal Healthy Longevity Survey（CLHLS）between 2005 and 2008 to study health insurance＇s impact on Chinese rural eiders＇ health demand. It found that health insurance significantly increased Chinese rural eiders＇ total health expenditure by 19%; however, it could neither significantly lengthen life expectancy nor decrease the risk of death. Chinese rural eiders＇ excessive demand induced by health insurance is probably inefficient. Therefore, to insure Chinese rural eiders＇ diseases could be treated, the government should improve medical security and control unreasonable increases in health service price.

关 键 词：医疗保险 农村老年人 健康需求 

分 类 号：F842.6[经济管理—保险] D669.6[政治法律—政治学]