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为研究医疗保险模式对职工就医行为的影响，采用分层整群随机抽样的方法对深圳市１３３６名职工进行了调查，结果表明：实施社会统筹与个人医疗帐户相结合的医疗保险模式、采用按平均费用标准偿付的支付方式，对职工就医行为及卫生服务利用程度上都有很大影响，职工两周就诊率和年住院率均高于１９９３年全国大城市平均水平，而年人均住院日与之比较则偏低，参保职工比未参保职工能更充分的利用卫生服务，职工的就医行为更规范、合理
In order to study the impact of the medical insurance model on employee behavior, a stratified cluster random sampling method was used to investigate 1,336 employees in Shenzhen. The results show that: the implementation of social insurance and personal medical accounts combined with the medical insurance model, using the press The payment method of average cost standard payment has a great impact on employees’ medical behavior and the degree of utilization of health services. The two-week medical consultation rate and annual hospitalization rate of employees are higher than the average level of major cities in 1993, and the average hospital stay per person per year. The comparison is relatively low. Insured employees can use health services more fully than non-insured employees, and employees’ behavior is more standardized and reasonable.