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基于2013年中国健康与养老追踪调查数据,本文对我国农村中老年人健康风险的社会决定因素进行了分析。结果表明我国农村中老年居民面临较高的健康风险;收入对健康风险的影响程度较小;同收入相比较,主观自我评价的生活水平更能够揭示农村居民的健康风险状况;接受过初中以上教育能够显著降低自评健康风险和抑郁风险;有务工经历的农村居民面临较高的身心健康风险;社会医疗保险、子女居住在本社区、子女经济支持以及配偶等正式和非正式社会支持能够在一定程度上能够降低健康风险;社会因素对西部地区居民的健康风险的影响更为显著。对保险公司而言,针对农村市场开发团体小额健康险较为适宜。同时,政府要提高社会医疗保险的报销比例。
Based on the 2013 China Health and Enduring Trail Surveys survey data, this article analyzes the social determinants of health risk among rural middle-aged and elderly people in our country. The results show that middle-aged and elderly residents in rural areas of our country face higher health risks; incomes have less impact on health risks; compared with incomes, subjective self-evaluation of living standards can better reveal the health risks of rural residents; Can significantly reduce the risk of self-rated health risks and depression; rural residents with migrant workers experience a higher risk of physical and mental health; social and medical insurance, children living in the community, children’s economic support and formal and informal social support such as spouses can be certain To a certain extent, health risks can be reduced; social factors have a more significant impact on the health risks of residents in the western region. For insurance companies, it is more appropriate to develop group health insurance for the rural market. At the same time, the government should raise the reimbursement ratio of social medical insurance.