农村居民基本医疗保险参保现状及参保意愿分析——以福建省N市为例  

Analysis of Current Situation and Willingness of Rural Residents'Participation in Basic Medical Insurance——Taking City N of Fujian Province as an Example

作　　者：张启特 林谋贵 李阳 熊林平 

机构地区：[1]海军军医大学,上海200433

出　　处：《中国医疗保险》2024年第8期34-39,共6页China Health Insurance

摘　　要：目的:调查N市农村居民参加城乡居民基本医疗保险的现状和参保意愿,分析其影响因素,为提升农村居民参保积极性提供参考及建议。方法:于2022年11-12月对福建省N市583名农村居民进行入户调查。运用描述性分析、卡方检验、Logistic回归进行数据分析。结果:共纳入485份有效样本,参保率为91.75%,参保意愿为80.00%;年龄、医保整体满意度对农村居民参保率和参保意愿产生显著正向影响(P<0.05);医保整体满意度受报销流程、报销金额、对医务人员满意度影响(P<0.05)。结论:农村居民参保意愿偏低,可通过调整个人缴费标准、落实全民参保、优化报销流程、提高门诊报销额度等方法提高农村居民参保意愿;基层医疗机构应加大人才培养力度,提升服务质量。Objective:The paper attempts to investigate the current situation and willingness of rural residents’participation in urban and rural residents’basic medical insurance,analyze the influencing factors,and provide references for enhancing rural residents’motivation to participate in the basic medical insurance.Methods:A household survey was conducted from November to December 2022 on 583 rural residents in City N of Fujian Province.Descriptive analysis,chi-square test,and logistic regression analysis were used.Results:A total of 485 valid samples were included,with a participation rate of 91.75%and willingness rate of 80.00%.Age and overall satisfaction with medical insurance had a significant positive effect on the current situation and the willingness of rural residents to participate in medical insurance(P<0.05).Besides,the overall satisfaction with medical insurance was affected by the reimbursement process,reimbursement amount,and satisfaction with medical staff(P<0.05).Conclusion:The willingness of rural residents to participate in medical insurance is relatively low,which can be improved by adjusting the personal contributions,promoting universal insurance coverage,optimizing the reimbursement process,and improving outpatient reimbursement limit.Primary medical institutions should strengthen personnel training to improve the quality of medical services.

关 键 词：农村居民 城乡居民基本医疗保险 参保率 参保意愿 

分 类 号：F840.684[经济管理—保险]