本文選題：城鄉(xiāng)居民大病保險(xiǎn) + 調(diào)研報(bào)告　； 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：自2012年黨中央和國務(wù)院開始試點(diǎn)推動(dòng)實(shí)施大病保險(xiǎn)制度以來,大病保險(xiǎn)一直是社會(huì)各界關(guān)注的焦點(diǎn)。近年來,大病保險(xiǎn)在全國范圍內(nèi)獲得極大發(fā)展,2015年7月,大病保險(xiǎn)已從試點(diǎn)階段過渡到全面實(shí)施階段,截止2016年底已基本實(shí)現(xiàn)全覆蓋。但大病保險(xiǎn)制度究竟運(yùn)行效果如何,城鄉(xiāng)居民對(duì)其的滿意度如何等問題還有待實(shí)證研究,而且當(dāng)前國內(nèi)相關(guān)的調(diào)研分析還比較少,所以本文選擇具有代表性的北京地區(qū)的參保者為主要調(diào)研對(duì)象,基于參保人的視角展開調(diào)研,分析城鄉(xiāng)居民對(duì)大病保險(xiǎn)制度的滿意度以及影響因素,進(jìn)而根據(jù)調(diào)查結(jié)果分析總結(jié),針對(duì)調(diào)查出的問題提出相應(yīng)的解決對(duì)策和建議,為政府不斷完善社會(huì)醫(yī)療保障制度提供一定的數(shù)據(jù)支持。調(diào)查主要從三個(gè)方面進(jìn)行:一是調(diào)查參保者個(gè)人(家庭)基本信息對(duì)于大病保險(xiǎn)滿意度的影響。二是調(diào)查參保者對(duì)大病保險(xiǎn)的了解程度和了解途徑以及對(duì)大病保險(xiǎn)作用的認(rèn)可程度。三是調(diào)查參保者對(duì)大病保險(xiǎn)的政策規(guī)定的滿意程度,為以后完善大病保險(xiǎn)制度提供數(shù)據(jù)依據(jù)。調(diào)查對(duì)象以北京市參保居民為主,通過網(wǎng)絡(luò)調(diào)研、實(shí)地發(fā)放問卷和實(shí)地訪談等方式來進(jìn)行市場(chǎng)調(diào)研獲取數(shù)據(jù),并利用Logistic模型將收集的數(shù)據(jù)進(jìn)行回歸分析。根據(jù)調(diào)研結(jié)果和實(shí)證分析結(jié)果顯示,影響參保者對(duì)大病保險(xiǎn)滿意度的顯著性因素主要有文化程度、家庭健康水平、家庭醫(yī)療支出、大病保險(xiǎn)作用的認(rèn)可度、籌資方式、報(bào)銷起付線、報(bào)銷比例、報(bào)銷程序、經(jīng)辦能力和服務(wù)態(tài)度。最后,基于調(diào)研數(shù)據(jù)的分析結(jié)果,本文將從籌資方式、報(bào)銷比例、經(jīng)辦服務(wù)、政策宣傳四個(gè)方面提出對(duì)策和建議,來進(jìn)一步完善大病保險(xiǎn)政策,提高參保者對(duì)大病保險(xiǎn)的滿意度。
[Abstract]:Since 2012, the CPC Central Committee and the State Council began to pilot promote the implementation of the serious illness insurance system, serious illness insurance has been the focus of attention from all walks of life. In recent years, the serious illness insurance has been greatly developed in the whole country. In July, 2015, the serious illness insurance has been transferred from the pilot stage to the comprehensive implementation stage, and by the end of 2016, it has basically achieved full coverage. However, the effect of the insurance system for serious illness and the satisfaction of urban and rural residents are still to be studied empirically, and there are few related research and analysis in our country at present. Therefore, this paper chooses the representative insured in Beijing as the main research object, based on the perspective of the insured to carry out the investigation, analyzes the satisfaction of urban and rural residents to the serious illness insurance system and its influencing factors. Then, according to the analysis and summary of the investigation results, the author puts forward the corresponding countermeasures and suggestions to solve the problems, and provides certain data support for the government to improve the social medical security system. The investigation is mainly carried out from three aspects: one is to investigate the influence of the basic information of the insured individual (family) on the satisfaction of the major illness insurance. The second is to investigate the degree of understanding and the way of understanding of the insurance of serious illness and the degree of recognition of the role of the insurance. The third is to investigate the degree of satisfaction of the insured to the policy of serious illness insurance, and to provide data basis for perfecting the serious illness insurance system in the future. The survey subjects are mainly Beijing insured residents, through network research, field questionnaires and field interviews to carry out market research to obtain data, and use Logistic model to collect the data for regression analysis. According to the results of investigation and empirical analysis, the significant factors influencing the degree of satisfaction of the insured to the serious illness insurance are the education level, the level of family health, the family medical expenditure, the recognition of the function of the insurance for the serious illness, the way of financing. Reimbursement line, reimbursement ratio, reimbursement procedure, handling ability and service attitude. Finally, based on the analysis results of the survey data, this paper will put forward countermeasures and suggestions from four aspects of financing, reimbursement ratio, service, policy promotion, to further improve the insurance policy for serious illness. Improve the insured's satisfaction with the insurance for serious illness.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.684

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