因病支出型贫困与商业医疗保险作用研究  

Study on the Relationship between Poverty and Commercial Medical Insurance

作　　者：谢明明 刘吉祥 杨孝春 XIE Ming-ming;LIU Ji-xiang;YANG Xiao-chun(School of Business,Zhengzhou University,Zhengzhou,450001,China;不详)

机构地区：[1]郑州大学商学院,郑州450001

出　　处：《中国卫生经济》2021年第12期37-40,共4页Chinese Health Economics

基　　金：国家社会科学基金项目(20CSH029);教育部人文社会科学研究青年基金项目(19YJC840048)。

摘　　要：目的:界定因病支出型贫困与其相关概念的内涵及测算方法,有针对性地提出商业健康保险在缓解因病支出型贫困中的优化策略。方法:梳理文献界定不同贫困指标概念并测算各指标的发生率,利用IV-Tobit模型检验商业医疗保险降低因病支出型贫困发生概率的作用。结果:我国因病支出型贫困发生率较高,家庭购买商业性保险能够显著降低因病支出型贫困发生概率。结论:建议建立贫困边缘人口的动态监测与帮扶机制、发展城市定制型普惠医疗保险、推进基本医保与商业健康保险的有效衔接。Objective:It defines the connotation and calculation method of the disease-related poverty and its related concepts,and puts forward the optimization strategy of commercial health insurance in alleviating the disease-related poverty.Methods:On the basis of reviews the literature,it defines the concept of different poverty indicators and calculates the incidence of each indicator,usesⅣTobit to test the role of commercial medical insurance in reducing the incidence of disease-related poverty.Results:In China,the incidence of disease-related poverty is relatively high,and families’purchase of commercial insurance can significantly reduce the incidence of disease-related poverty.Conclusion:It is suggested to establish a dynamic monitoring and assistance mechanism for the poverty-stricken marginal population,develop urban customized inclusive medical insurance,and promote the effective connection between basic medical insurance and commercial health insurance.

关 键 词：因病支出型贫困 贫困发生率 商业医疗保险 

分 类 号：R1-9[医药卫生—公共卫生与预防医学] F840.613[经济管理—保险]