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健康保险领域使用的药品,既具有一般消费品的基本特征,又具有健康保险领域药品具有的不完全替代性、效用的两重性、技术信息不对称性、弱价格弹性与个体适用性、可存储性与时效性、获利性与他利性等六个导致药品使用难于控制的特殊属性。本文根据这六个属性对药品使用的约束机制进行了探讨,提出了改善健康保险药品使用的监管策略,认为需要从健康保险产品设计、健康保险运行与事后分析等方面加强健康保险用药的管理。
The medicines used in the field of health insurance not only have the basic characteristics of general consumer goods, but also have the incomplete substitutability of medicines in the field of health insurance, the duality of utility, the asymmetry of technical information, the weak price elasticity and the applicability of individuals, the storability and Timeliness, profitability and other benefits of his six lead to the use of drugs is difficult to control the special attributes. Based on these six attributes, this paper discusses the constraint mechanism of drug use and puts forward the regulatory strategies to improve the use of health insurance drugs. It is believed that the management of health insurance drug needs to be strengthened in terms of health insurance product design, health insurance operation and post-mortem analysis.