重大疾病住院医疗救助资金的需求测算

Prospective Demanding Estimate of Severe Disease Medical Rescue

目的:对按病种和按费用进行医疗救助的方法所需资金量分别进行测算。方法:应用反事实分析法分别构建了现行政策下按病种和按费用进行医疗救助的测算方法。结果:(1)按现有基本医疗保险保障水平按病种人均救助资金(平均到全部人群)为3.45元;(2)假设基本医疗保险对试点病种医药费用的实际补偿比例达到70%,按病种人均救助资金为1.82元;(3)假设补充大病医疗保险补偿比例为50%,按费用人均救助资金为6.08元。结论:重大疾病年人均住院救助筹资水平低于6元的地区建议开展以病种为主的救助方式。

Objective： To estimate the needed severe disease funding by using method of ＂by disease＂ and ＂by expense＂ . Methods： Counterfactual analysis is used to build ＂by disease＂ and ＂by expense＂ measurement method to provide medical rescue under current policy. Results： （1） Based on current basic medical insurance level, ＂by disease＂ rescue fund is 3.45 yuan per capita; （2） If the basic medical insurance compensation was 70%, the ＂by disease＂ rescue fund would be raised to 1.82 yuan per capita; （3） ff the supplementary severe disease insurance compensation was 50%, the ＂by expense＂ rescue fund would be raised to 6.08 yuan per capita