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目的:测算社会医疗保险对发生家庭灾难性卫生支出的重要靶点人群的经济保障程度。方法:采用灾难性卫生支出测算方法以及重要靶点人群社会医疗保险经济保障程度的评价方法,以新型农村合作医疗保险制度为研究对象。结果:新农合使黑龙江省农村家庭灾难性卫生支出发生率降低了11.82%,使保险补偿后免于发生灾难性卫生支出家庭的灾难性卫生支出严重程度平均降低了5.46%,使保险补偿后仍处于灾难性卫生支出家庭的这一比例降低了18.22%,保险的作用系数达到0.66。结论:新农合在减少和缓解黑龙江省农村家庭灾难性卫生支出方面起到了积极作用,但政府仍需重点关注发生严重家庭灾难性卫生支出的这部分重要靶点人群,以进一步提高保险的经济保障程度。
PURPOSE: To measure the degree of economic security of social health insurance for key targets of families with catastrophic health expenditures. Methods: Using the method of estimating disastrous health expenditures and the evaluation of the economic security of social medical insurance for key target groups, the new rural cooperative medical insurance system was taken as the research object. Results: The NRCMS reduced the incidence of catastrophic health expenditures among rural families in Heilongjiang Province by 11.82%, reduced the severity of disastrous health expenditures for families exempt from catastrophic health expenditures by 5.46% on average after insurance compensation, The proportion of families still in disastrous health expenditure has dropped by 18.22%, and the coefficient of insurance coverage has reached 0.66. Conclusion: The NCMS played a positive role in reducing and alleviating catastrophic health expenditures in rural households in Heilongjiang Province. However, the government still needs to focus on this part of the target population with catastrophic health expenditures in severe household disasters to further enhance the insurance economy Degree of protection.