城乡居民大病保险制度的群众认知度研究——基于江阴和太仓的比较分析

A Study on the Awareness of the Serious Illness Insurance System for Urban and Rural Residents:Based on the Comparative Analysis of Jiangyin and Tai cang

目的：了解江阴、太仓两地参保群众对城乡居民大病保险制度实施的认知度,为完善大病保险制度提供实证依据,从而促进医保基金的合理使用。方法：采用问卷调查法,利用SPSS 22.0对两地大病保险的群众认知度与参保意愿进行单因素方差分析和二元Logistic回归分析。结果：（1）两地居民均有强烈的大病保险的参保意愿;（2）江阴居民相对更不了解政策的内容;（3）两地居民均希望通过从基本医疗保险基金中抽取一部分基金出来给大病保险缴费,不用额外增加缴费负担;（4）太仓居民对大病保险报销政策更满意;（5）影响参保群众对大病保险参保意愿的显著性因素有户口类型、是否参加过大病医保及对大病医保政策内容的了解程度。结论：需要加大政策的宣传力度;需要转变传统的医保观念,提高商业补充保险的意识;需要政府、商业保险机构、参保群众和医疗机构多方努力进一步解决城乡居民大病保险执行过程中的问题。

Objective:To understand the degree of awareness of the implementation of the major illness insurance system for urban and rural residents in the residents of Jiangyin and T aicang,and to provide evidence for the improvement of the serious illness insurance system and promote the allocation of public resources. Methods: The method of questionnaire survey was used to analyze the awareness and willingness of participation of the insured people in Jiangyin and T aicang,Jiangsu Province based on one-way analysis of variance and binary logistic regression. As a result,Taicang residents are more willing to continue to participate in health insurance than Jiangyin.Jiangyin residents’ willingness to participate in serious medical insuranceis not strong; Jiangyin residents are relatively ignorant of the content of the policy; both residents hope to extract part of the basic medical insurance fund. The fund went out to pay for major illness insurance without additional burden of payment; Compared with Jiangyin residents,T aicang residents were more satisfied with the policy of serious illness insurance reimbursement for urban and rural residents. The significant factors affecting the insured people’s willingness to participate in major illness insurance include the type of household registration,whether to participate in the medical insurance for diseases,and the degree of understanding of the contents of the medical insurance policy for major diseases. Conclusion Strengthen policy publicity and improve the construction of serious illness insurance system for urban and rural residents. Change the traditional ideology.