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杨芳, 施姣, 史静琤, 王琪, 雷世岳. 小学生参加城乡居民基本医疗保险意愿调查[J]. 中国公共卫生, 2014, 30(7): 868-871. DOI: 10.11847/zgggws2014-30-07-05
引用本文: 杨芳, 施姣, 史静琤, 王琪, 雷世岳. 小学生参加城乡居民基本医疗保险意愿调查[J]. 中国公共卫生, 2014, 30(7): 868-871. DOI: 10.11847/zgggws2014-30-07-05
YANG Fang, SHI Jiao, SHI Jing-zheng.et al, . Willingness to purchase basic medical insurance for pupils among urban and rural residents[J]. Chinese Journal of Public Health, 2014, 30(7): 868-871. DOI: 10.11847/zgggws2014-30-07-05
Citation: YANG Fang, SHI Jiao, SHI Jing-zheng.et al, . Willingness to purchase basic medical insurance for pupils among urban and rural residents[J]. Chinese Journal of Public Health, 2014, 30(7): 868-871. DOI: 10.11847/zgggws2014-30-07-05

小学生参加城乡居民基本医疗保险意愿调查

Willingness to purchase basic medical insurance for pupils among urban and rural residents

  • 摘要: 目的 了解湖南省长沙市城乡居民为小学生购买基本医疗保险的意愿及其影响因素,为做好小学生基本医疗保险参保工作提供依据。方法 采用分层整群抽样方法抽取长沙市10所小学的1 507名小学生,对其家庭中医疗保险购买的决策者进行支付意愿相关调查,并进行描述性分析和单因素、多因素logistic回归分析。结果84.5%(771/912)的决策人表示愿意给小学生购买城乡居民基本医疗保险;其中32.2%(248/771)的决策人每年愿意支付的费用为40~59元,19.8%(153/771)的决策人每年愿意支付的费用为100~190元,13.4%(103/771)的决策人每年愿意支付的费用为80~99元;50.3%(459/912)的决策人期望的起付线标准为<300元,16.2%(148/912)的决策人期望的起付线标准为300~499元,11.4%(104/912)的决策人期望的起付线标准为500~699元;61.9%(565/912)的决策人期望总的住院报销比例达到≥80%;多因素logistic回归分析结果显示,决策人文化程度(OR=1.83~3.05)、职业为军人(OR=0.16)、家庭人口数(OR =3.88~5.35)是其为小学生购买城乡居民基本医疗保险的影响因素。结论 决策人直接按照自己的参保意愿决定是否为小学生购买城乡居民基本医疗保险,同时期望能以较小的投入获得最大的保障。

     

    Abstract: Objective To explore urban and rural Changsha residents' willingness to pay for basic medical insurance for their primary school children and the determinants of the willingness,and to provide references for making basic medical insurance policy for pupils.Methods Using stratified cluster sampling method,we studied familial decision makers'willingness to pay for basic medical insurance for their primary school childen among families of 1 507 urban and rural pupils from 23 primary schools in Changsha city.Descriptive analysis,univariate and multivariate logistic regression were used to analyze the determinants of the decision makers' willingness.Results Among the familial decision makers,84.5%(771/912)expressed their willingness to purchase residents' insurance for their children and among the decision makers expressing the willingness,32.2%(248/771)were willing to pay 40-59 RMB yuan for purchasing the insurance,19.8%(153/771)willing to pay 100-190 RMB yuan,13.4%(103/771)willing to pay 80-99 RMB yuan.Totally 50.3%(459/912)of the familial decision makers expected to pay less than 300 RMB yuan for minimum deduction of the insurance,16.2%(148/912)expected to pay a amount of money between 300 and 499 RMB yuan,11.4%(104/912)expected to pay between 500 and 699 yuan.There were 61.9%(565/912)of the decision makers expecting that the inpatient reimbursement should be up to 80 percent of the total expenditure.The results of multivariate logistic regression indicated that the decision makers' education level(odds ratioOR=1.83-3.05),occupation(OR=0.16)and the number of family members(OR=3.88-5.35)affected the decision makers' willingness.Conclusion The familial decision makers did not consider the specific situation of the their primary school children when they made their willingness to pay,and the decision makers expected to obtain maximum medical security with less investment.

     

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