不同收入农村家庭疾病经济风险分析

Analyzing Disease Financial Risk on Families with Different Incomes

目的:通过比较不同收入农村家庭的疾病发生概率和直接经济负担,来分析不同收入家庭的疾病经济风险的差异、承受能力及相关影响因素。方法:采取分层随机抽样方法抽取研究样本,并进行了家庭入户调查。测算了不同收入家庭的疾病发生概率、疾病经济负担和疾病经济风险等。结果:低收入家庭的疾病发生概率较高,服务利用不足,可支付能力较差,疾病经济负担较重且疾病经济风险较大。结论:低收入家庭的高疾病经济风险导致其极易因病致贫,且长期持续贫困,而医疗保障制度对其的保护力度较弱,因此需要在进一步提高基本医疗保障水平的同时,对这部分群体予以有针对性的扶持,提高医疗救助水平,或者加强医疗救助与基本医疗保险的协同效应。

Objective： To analyze the disease financial risk, affordability and impact factors among rural families of different income, by comparing with disease probability and direct economic burden of them. Methods： By applying stratified random sampling method and conducting the household investigation, the disease probability, direct economic burden and disease financial risk of each income group were estimated. Results： The low-income group has the higher disease probability with inadequate service utilization and weak aftbrdability, which result in heavy disease economic burden and high financial risk. Conclusion： High disease financial risk of the low- income group leads to high possibility of persistence poverty due to illness. Moreover, the low-income group＇s protection from medical security system is weaker than other groups. Therefore, with further improving the security level of basic medical insurance, targeted supporting policy should be carried on the low-income group, such as increasing the level of medical assistance, or strengthening the synergistic effect of medical assistance and basic medical insurance.