就医经济风险比较指标的探索

The Study of Indexes to Compare Economical Risk of Hospitalization

就医经济风险确定时至少要考虑3方面的因素:①发生疾病;②因疾病发生就医费用;③因就医费用蒙受经济损失。进行就医经济风险比较时还必须考虑收入因素的影响。据此,借用流行病学相对危险度概念提出了不同人群就医经济风险比较指标(相对风险度RR)计算方法及其校正公式。经实际数据模拟论证,RR及其校正公式可有效比较不同人群就医经济风险,而且简便易行,有助于医保方案的选择。

Arguing with the constitution of economical risk of hospitalization,This paper emphasized on the indexes which should be effective in comparing economical risk of hospitalization. The study showed that three factors should be concerned as following when evaluating economical risk of hospitalization: diseases existing,fee for health service and economical loss for fee. The study also showed that the factor of income must be concerned when comparing economical risk of hospitalization in different crowds. Referring to the concept of relative risk in epidemics, the index called RR has been advanced to compare the economical risk of hospitalization in different crowds. Proved by the simulating of substantial evidences, the RR and its adjusting formula could be considered to the optima index to comparing economical risk of hospitalization in different crowds both effectively and easily,and should greatly contribute to the selection of medical insurance schemse.