【摘要】：目的:分析參保人對(duì)城鎮(zhèn)職工基本醫(yī)療保險(xiǎn)個(gè)人賬戶(hù)的了解、使用現(xiàn)狀,探討其需求情況,為貴州省及其他地區(qū)職工醫(yī)保個(gè)人賬戶(hù)改革提供參考。方法:選取貴州省各單位職工醫(yī)保參保人為調(diào)查對(duì)象,通過(guò)分發(fā)調(diào)查問(wèn)卷收集數(shù)據(jù),采用逐步logistic回歸分析影響職工對(duì)個(gè)人賬戶(hù)了解、使用及需求的影響因素。結(jié)果:共發(fā)放問(wèn)卷635份,回收有效問(wèn)卷538份(84.72%)。一半以上的受訪(fǎng)者尚未激活醫(yī)�？ɑ蚝苌�(從未)使用,約15%的受訪(fǎng)者曾使用醫(yī)保卡購(gòu)買(mǎi)過(guò)非醫(yī)療產(chǎn)品或?qū)⑨t(yī)�？ㄍ饨琛４蠖鄶�(shù)受訪(fǎng)者對(duì)個(gè)人賬戶(hù)相關(guān)政策并不了解。受訪(fǎng)者偏好個(gè)人賬戶(hù)劃入資金同時(shí)與工資水平和年齡掛鉤或與年齡掛鉤,且最想在現(xiàn)有基礎(chǔ)上利用個(gè)人賬戶(hù)提高自身或家人的醫(yī)療保障水平。受訪(fǎng)者個(gè)人特征、行為習(xí)慣、健康狀況等均在一定程度影響其對(duì)個(gè)人賬戶(hù)的使用、了解及需求。結(jié)論:醫(yī)保個(gè)人賬戶(hù)使用效率不高,受訪(fǎng)者對(duì)相關(guān)醫(yī)保政策不了解。個(gè)人賬戶(hù)的改革應(yīng)增強(qiáng)其公平性以及提高自身醫(yī)療保障水平功能,還應(yīng)考慮將保障范圍擴(kuò)大到參保人的配偶或家屬。
[Abstract]:Objective: To analyze the understanding and use status of the individual account of the basic medical insurance of the urban and rural workers, and to discuss the demand situation of the insured person, and provide the reference for the reform of the personal account of the workers and workers in Guizhou and other regions. Methods: The medical insurance of each unit of Guizhou province was selected to be an object of investigation. The data were collected through the distribution survey questionnaire, and the influence factors of the employee's understanding, use and demand of the individual account were analyzed by means of the logistic regression analysis. Results: A total of 635 questionnaires were distributed and 538 (84.72%) were collected. More than half of the respondents had not activated a medical card or were rarely used (never), and about 15 per cent of the respondents had purchased a non-medical product or borrowed a medical card from a medical card. Most of the respondents were not aware of the personal account-related policies. The interviewees preferred that the individual account should be transferred to the fund at the same time as the wage and age, or to the age, and to use the personal account to improve the medical security level of the individual or the family on the basis of the existing basis. The individual characteristics, behavior habits and health status of the interviewees have some influence on their use, understanding and demand on the individual account. Conclusion: The use efficiency of the personal account of the medical insurance is not high, and the interviewees do not know the relevant medical insurance policy. The reform of the individual account should enhance its equity and improve the level of health care of its own. It should also consider extending the scope of the guarantee to the spouse or family of the insured person.
【作者單位】： 貴州醫(yī)科大學(xué)醫(yī)藥衛(wèi)生管理學(xué)院;貴州省腫瘤醫(yī)院;貴州省人力資源和社會(huì)保障廳;貴州省人民醫(yī)院;
【基金】：國(guó)家自然科學(xué)基金項(xiàng)目“基于環(huán)境因素的健康相關(guān)生命質(zhì)量量表開(kāi)發(fā)及效用值積分體系構(gòu)建”(編號(hào):71463007/G0308) 貴州省科技廳社會(huì)攻關(guān)項(xiàng)目“基于中國(guó)西南地區(qū)人群偏好的生命質(zhì)量研究——構(gòu)建EQ-5D量表效用積分體系”(編號(hào):黔科合SY字[2013]3068);貴州省科技廳聯(lián)合基金項(xiàng)目“貴州省農(nóng)村基層衛(wèi)生政策執(zhí)行力及提升路徑研究”(編號(hào):黔科合LH字[2015]7342號(hào))
【分類(lèi)號(hào)】：F842.684;R197.1

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