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我国普惠型商业医疗保险的发展现况及趋势研究*
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俞纯璐(1999—),女,博士在读;研究方向:卫生经济与医疗保障;E-mail:21111020080@m.fudan.edu.cn。

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R1-9;F840.613

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国家社会科学基金重大项目 (20ZDA072)


Research on the Development Status and Trends of Inclusive Voluntary Health Insurance in China
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    摘要:

    目的:分析我国普惠型商业医疗保险的发展现况和趋势,为其可持续发展提供参考。方法:系统收集全国 2021—2022年度普惠型商业医疗保险的保障方案信息,对比分析其保障能力、保障水平及发展趋势。结果:普惠型商业医疗保险的覆盖面迅速扩大,保障能力有所提升。受益的前置条件放宽,保障范围拓展,平均起付线不变,平均报销比例降低, 综合封顶线提高。结论:当前在普惠型商业医疗保险的发展过程中,需重点关注参保的可持续性和保障待遇的稳定性。

    Abstract:

    Objective: To analyze the development status and trends of inclusive voluntary health insurance (IVHI) in China and provide references for its sustainable development. Methods: The information on IVHI in China from 2021 to 2022 was systematical- ly collected. The development trends of its security capability and security level were analyzed using the comparative analysis method. Results: The coverage of IVHI in China is rapidly expanding, and the security capability is getting better. The prerequisites for ob- taining compensation are being relaxed and the range of services that are covered is increasing. The average deductible remains un- changed, the average reimbursement ratio is decreased, and the comprehensive cap line is raised. Conclusion: Nowadays, in the de- velopment of IVHI, it needs to give attention to the sustainability of participation and the stability of security treatment.

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俞纯璐,陈文,邹海燕,等.我国普惠型商业医疗保险的发展现况及趋势研究*[J].中国卫生经济,2023,42(9):33-35,59. Yu Chunlu, Chen Wen, Zou Haiyan, et al.我国普惠型商业医疗保险的发展现况及趋势研究*[J]. CHINESE HEALTH ECONOMICS,2023,42(9):33-35,59.

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  • 收稿日期:2023-06-20
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  • 在线发布日期: 2023-09-19
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