新型农村合作医疗补偿政策对灾难性卫生支出的影响分析

Analysis on the Impact of New rural Cooperative Medical Scheme on Catastrophic Health Expenditure

目的研究新型农村合作医疗补偿政策对住院费用导致的灾难性卫生支出的影响。方法从2006年、2008年和2011年3年个体水平面板数据中选取包含住院个体的家庭为研究对象,分析灾难性卫生支出发生的频率和强度,并且利用非条件Logistic回归模型分析其影响因素。结果 3年中新型农村合作医疗对降低灾难性卫生支出的发生率和严重程度的作用是逐步提高的。新型农村合作医疗住院实际补偿比与灾难性卫生支出的发生成反比。起付线与封顶线对灾难性卫生支出发生的影响没有统计学意义。住院天数两周以上与住院机构层级与灾难性卫生支出的发生成正比。结论新型农村合作医疗政策中补偿水平的提高在一定程度上降低了住院患者的疾病经济风险。

OBJECTIVE To analyze the impact of New Rural Cooperative Medical Scheme(NCMS) policies on Catastrophic Health Expenditure(CHE) induced by inpatient service. METHODS It selected households that occurred hospitalization based on individual level panel data of 2006, 2008 and 2011 to analyze the frequency, intensity and using Logistic model to analyze the influencing factors of CHE. RESULTS The effect of NCMS in decreasing the incidence and intensity of CHE was increased during 2006—2012. The actual reimbursement rate had negative impact on the incidence of CHE. Deductible and ceiling had no significant influence on CHE. Length of hospital stay which was longer than two weeks and inpatient institution level had positive effect on the rate of CHE. CONCLUTION The improvement of reimbursement could decrease the economic risk of disease to a certain degree.