摘要
逆选择困扰了我国城乡居民医保事业的可持续发展。在原有的大病和重病保障之外,基于不同人口年龄需求设计一个有条件、有限度和有年龄差别的特殊医保待遇方案,让参保者在没有享受到大病重病医保待遇的情况下,也可获得一些与年龄相称的医保待遇。这一设计除了能增加参保的弹性,让各年龄群体都自愿积极参保,还可增强居民的健康意识,提高居民的健康水平,减少居民和医保的医药开支。此外,它还能促进基层医疗服务业的发展。
The adverse selection plagued the sustainable development of China＇s urban and rural residents J health care. Besides the original great and serious illness security, we should design a conditional, limited and special health care program based on the needs of different population age, which can let the insured not enjoyed great and serious illness security get some health care matching with their age. Besides increasing the flexion of taking part in the health care and leading all age groups to take part in the health care voluntarily and positively, this design can also enhance residents＂ awareness about health, improve the health level of residents, and reduce medical expenses for residents and health care. In addition, it can promote the development of primary health care services, too.
出处
《社会保障研究》
CSSCI
2012年第6期58-62,共5页
Social Security Studies
关键词
居民医保
参保
逆选择
年龄
residents＇health care, take part in the health care, adverse selection, age
