新型农村合作医疗:主要挑战和政策建议

Challenges and suggestions:New Cooperative Medical System in China

本文基于面板调查数据,描述了新型农村合作医疗在我国农村地区的实施进展,以及该政策在实施过程中取得的成就和面临的挑战。结果表明,新型农村合作医疗在覆盖面、参合率、政策设计、筹资水平等方面成绩显著,但是,2007年参合农民对新型农村合作医疗的补偿政策的认知水平还非常低;新型农村合作医疗对参合患者的补偿水平不高,对大病患者的财务风险保护能力非常弱。而同时,医疗服务机构的不当激励可能已经损害了参合农民的利益。基于以上研究结论,本文在最后提出了相关政策建议。

Using a panel data from on-the-spot survey in China's rural area,this paper aims to understand the progress of the implementation of New Cooperative Medical System(NCMS) and the challenges it faces at present.The results show that while the NCMS program performed very well in coverage,enrollment,and fund raising,farmers still knows little about the reimbursement policy and the program nature.The paper also finds that the programme could not meet its goal of providing financial risk protection against catastrophic illnesses.In addition,it also indicates that the behaviour of medical service providers may weaken the effect of NCMS because of inappropriate incentives.The policy recommendation is proposed basing on the findings.