基本医疗保险参保住院患者个人费用负担分析

Analysis on the Individual Medical Burden of Basic Medical Insurance Participants

根据2013年全国城镇基本医疗保险参保住院患者医疗服务利用抽样调查数据,本文对患者医疗费用及个人费用负担的变化进行分析,得出结论:要控制医疗费用的不合理增长,降低个人住院费用负担,应把关注重点放在若干费用高,负担重的大病上,并制定适当政策,引导常见病住院向基层医疗机构分流;下一步如要继续提升参保者待遇水平,应着眼于降低高住院费用者的个人费用负担,切实减轻大病所带来的巨额医疗费用风险。

According to the 2013 national sampling surveys of the healthcare utilization of urban inpatient with basic medical insurance, this paper analyzes the changes of medical expenses of inpatients and the burden of personal cost, and draws the conclusion that to control unreasonable increase of medical costs and to reduce the burden of personal hospitalization cost, some high cost, heavy burdening illness should be targeted, and appropriate policies should be formulated to guide the common disease been treated in fundamental medical institutions. Following this, it should increase the benefit of the insurance participants, and reduce individual hospitalization cost by serious illness, therefore, to really reduce the heavy burden of medical expense caused by serious illness.