基于因子模型的典型医疗保障制度的成效对比

Comparative Analysis of Insurance Effectiveness of Typical Medical Security Systems Based on Factor Model

目的:研究不同医疗保障制度的差异是否在各国的卫生水平差异中实现了其制度的优越性。方法:借用2010年世界卫生组织的统计指标表征国家卫生水平,在初步比较不同医疗保障制度的特征后,建立因子分析模型。结果:简约深入的公共因子指标体系更清晰了不同制度的优越性在卫生现状中的实现。公共因子可识别不同医疗保障制度,其数值可以表征医疗制度对卫生水平的保障成效。结论:中国现有医疗制度,较免费医疗,与社会医疗有更高的共性;较商业医疗,与储蓄医疗有更高的共性。储蓄医疗在公共因子的得分,论证了在较低的个人和政府的卫生支出下,储蓄医疗制度不仅得以建立和完善,而且保障了国家卫生水平。

Objective： To research if the diversities of different medical security systems actualized in the diversities of health status in each country. Methods： After preliminary comparision of the characteristics of different medical security systems, the factor analysis model is set up through using 2010 World Health Statistics as data sources. Results： Studies show that simplification and use of depth factor index system clarify the achievements of the system＇s superiority for health status. Common factors probably characterize different medical insurance systems, and then the value and their ranking could characterize the insurance effectiveness. Conclusions： Currently, the domestic state of medical security system shares more similarities with social medical care system, other than free medical system; it also shares more similarities with medical savings account system, other than commercial health system. The factors confirm that the medical savings accounts have been established successfully, and are also protecting the country in an efficient way at a low cost.