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目的:通过比较不同收入农村家庭的疾病发生概率和直接经济负担,来分析不同收入家庭的疾病经济风险的差异、承受能力及相关影响因素。方法:采取分层随机抽样方法抽取研究样本,并进行了家庭入户调查。测算了不同收入家庭的疾病发生概率、疾病经济负担和疾病经济风险等。结果:低收入家庭的疾病发生概率较高,服务利用不足,可支付能力较差,疾病经济负担较重且疾病经济风险较大。结论:低收入家庭的高疾病经济风险导致其极易因病致贫,且长期持续贫困,而医疗保障制度对其的保护力度较弱,因此需要在进一步提高基本医疗保障水平的同时,对这部分群体予以有针对性的扶持,提高医疗救助水平,或者加强医疗救助与基本医疗保险的协同效应。
OBJECTIVE: To analyze the differences, affordability and related factors of economic risk among different income families by comparing the incidence of illness and the direct economic burden of rural families with different incomes. Methods: A stratified random sampling method was used to extract the research samples and a household survey was conducted. The probability of illness, the economic burden of diseases and the economic risks of diseases are estimated for different income families. Results: Low-income families have higher incidence of diseases, under-utilization of services, poorer ability to pay, heavier economic burden and greater economic risks. Conclusion: The economic risks of low-income families caused by their high risk are extremely vulnerable to poverty and long-term poverty, while the medical insurance system is weak to protect them. Therefore, it is necessary to raise the level of basic medical insurance further Some groups give targeted support to improve the level of medical assistance, or strengthen the synergies between medical aid and basic medical insurance.