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目的:以灾难性卫生支出家庭作为重要靶点人群,构建社会医疗保险对这部分家庭经济保障程度的评价方法,以期从一个侧面揭示社会医疗保险的实施效果。方法:采用灾难性卫生支出测算方法,通过模型和指标的构建,从四大方面研究社会医疗保险对灾难性卫生支出家庭的经济保护程度。结果:构建了针对保险报销后免于发生灾难性卫生支出的家庭、仍然发生灾难性卫生支出的家庭以及全部灾难性卫生支出家庭的保险经济保障程度系数,并构建了保险对家庭灾难性卫生支出的作用系数。结论:构建的评价指标可以用于同一保险在不同时期、不同保险在同一时期以及不同保险在不同时期的作用效果的比较分析。
OBJECTIVE: To evaluate the social economic benefits of social health insurance for families with catastrophic health expenditures as an important target population, in order to reveal the effect of social health insurance from one aspect. Methods: By using catastrophic health expenditure estimation method, through the construction of models and indexes, the economic protection degree of social health insurance to disastrous health expenditure families was studied from four aspects. Results: Constructing a family of families with catastrophic health expenditures after disability reimbursement, families with catastrophic health expenditures, and the coefficient of insurance economic security degree of all disastrous health expenditure families, and constructing the catastrophic health expenditures The role of coefficient. Conclusion: The constructed evaluation index can be used to compare and analyze the effect of different insurances in different periods, different insurances in the same period and different insurances in different periods.