Coverage and influencing factors of medical insurance among undergraduates in Beijing city

ObjectiveTo investigate the coverage and its influencing factors of medical insurance among university students and to explore the way to promote the coverage of medical insurance system in the students. MethodsTotally 1 702 college students were selected from four universities with stratified sampling method,and a questionnaire survey was carried out among the students. Results Among the students,the coverage of commercial insurance,basic medical insurance for urban residents,publicly funded free medical care was only 23.87%,39.55%,and 36.58%,respectively. Single factor analysis showed that grade,college,hometown,medical expense per year,self-attention to health,evaluation on necessity of medical insurance,promotion of medical insurance in the college,the students' cognition on commercial insurance,basic medical insurance for urban residents,and publicly funded free medical care were related to the coverage of medical insurance among the students.The results of logistic regression analysis revealed that low evaluation on the necessity of medical insurance(odds ratio OR=1.42),promotion of medical insurance in the colleag(OR=1.19),and the students' cognition on commercial insurance(OR=1.17)and basic medical insurance for urban residents(OR=1.76)were inversely correlated to the enthusiasm for medical insurance. The annual medical expenses of students and the enthusiasm for medical insurance were negatively correlated. ConclusionThe new health care system for college students is a complex project,and the efforts of society,college,and the students should be combined to increase the coverage of medical insurance.