把握农村居民就医经济风险:新型农村合作医疗保险方案研制思路之三

Financial risk analysis of the rural residents from medical expenses:ideas of developing NRCMS(Ⅲ)

运用风险管理学和保险精算学的基本原理,借鉴流行病学相对危险度的概念,明确了从风险概率、风险损失额、就医经济风险相对风险度等方面定量表达农村居民就医经济风险的思路与步骤。该思路与步骤可以用于测量不同地区、不同类型人群的就医经济风险分布,有助于明确新农合应重点关注的人群,并为新农合方案研制、筹资测算、方案评价与修正等提供关键的技术支撑。

This article elaborates the thoughts and methods of describing rural residents＇ financial risk quantitatively by such indicators as medical expenses from risk probability, risk amount of loss, and relative risk of financial risk from medical expenses. The article borrowed the idea of relative risk in epidemiology. With the help of the thoughts and methods, the distribution of financial risk from medical expenses for different areas and different types of people can be measured and the vulnerable people can be found. What＇s more, it can also be regarded as a key technique for project design, financing measurement, scheme evaluation and correction of NRCMS.