基于跨期偏好的医疗保险待遇调整对策研究  

The Countermeasures of Medical Insurance Benefits Adjustment Based on Intertemporal Preference

作　　者：吴传俭[1] Wu Chuanjian(School of Finance,Nanjing Audit University,Nanjing,Jiangsu,211815,China)

机构地区：[1]南京审计大学金融学院,江苏南京211815

出　　处：《中国卫生经济》2024年第11期68-71,共4页Chinese Health Economics

基　　金：江苏省社科基金重点项目(22GLA002)。

摘　　要：受到跨期偏好不一致影响,人们偏好逐期增加的医疗保险待遇时序在跨期偏好得不到满足时可能会中断保险。文章认为,提高医疗保险待遇应基于跨期偏好特征,建立保险待遇动态调整机制,将改善待遇与加强监管相结合,有效控制医疗费用,实质性提高医疗待遇,引入非传统风险转移方式等。Affected by inconsistency of intertemporal preferences,residents prefer an increment time series of medical insurance benefits,and may be interrupted when intertemporal preferences are not met.Based on the characters of intertemporal preferences,to improve medical insurance benefits can take countermeasures such as establishing dynamic insurance benefits adjustment mechanism,combining benefits improvement with strengthening supervision,effectively controlling medical expenses to substantially improve the medical benefits,and introducing alternative risk transfer ways etc.

关 键 词：跨期偏好 医疗保险 待遇调整 

分 类 号：R1-9[医药卫生—公共卫生与预防医学] R-055