长春市居民参加商业医疗保险现状分析

Participation status of commercial health insurance among residents of Changchun city

目的了解吉林省长春市居民对商业医疗保险的认识和接受程度、被调查人群的基本情况、商业医疗保险投保情况、对于商业医疗保险的需求和建议等,为进一步规范提高商业医疗保险工作提供参考依据。方法于2010年6月对长春市人口流动密集地人群进行随机抽样,采用深入访谈法和问卷调查进行相关数据收集,进行一般描述性分析。结果 936名调查对象的商业医疗保险整体覆盖率较低,占14.10%(132/936),数据显示,41～60岁为商业医疗保险的主要消费人群,占调查人数的8.76%(82/936),年薪>10万元的高收入人群的商业医疗保险购买率为8.87%(83/936)。结论理赔程序复杂、人群对其认知不足、高额保费成为阻碍商业医疗保险发展的主要影响因素。

Objective To examine the cognition and acceptance of commercial health insurance and medical insurance coverage among residents in Changchun city,and to provide evidence for the improvement of commercial health insurance.Methods With multi-stage randomized sampling,the participants were selected and surveyed with a questionnaire.Results Among 936 participants surveyed,the coverage rate of commercial health insurance was 14.10%（132/936）.The majority of participants with the comercial health insurance was at the ages of 41-60 years（62.12%,82/132） and with the annual income of more than 100 thousands yuan RMB（62.88%,83/132）.Conclusion The complex of claim process,lack of insurance knowledge,and high insurance expense are the barriers for the development of commercial health insurance.