我国大病保险失效环节文献研究

Invalidation of critical illness insurance system in China:A literature review

目的分析我国大病保险制度的失效环节和关键问题。方法在中国知网(CNKI)上检索2012年8月31日-2018年12月31日的大病保险相关文献,采用聚类方法和主成分分析法锁定核心高频关键词之间的精准网络关系。结果聚类分析和主成分分析结果显示大病保险文献的关键词可提取3个因子,分别是制度设计因子、制度运行因子和制度融合因子。结论大病保险存在定位不明确、筹资渠道单一、实际报销水平低的制度设计问题;应加强监管规范和监管力度,与精准扶贫政策紧密联系,切实缓解因病致贫、因病返贫。

Objective To analyze the invalidation links and key problems of China’s critical disease insurance system.Methods The literatures related to critical disease insurance published from August 31,2012 to December 31,2018 were searched on China national knowledge network(CNKI),and the precise network relationship between core high-frequency keywords was determined by clustering method and principal component analysis.Results Cluster analysis and principal component analysis found that three factors could be extracted from the key words of critical disease insurance literature,which were system design,system operation and system fusion.Conclusions There are some problems in the design of critical disease insurance,such as unclear positioning,monotonous financing channel and low reimbursement.Therefore,it is vital to strengthen supervision and regulation,and closely link it with targeted poverty alleviation policies,so as to alleviate illness-caused poverty and illness-related poverty.