黄秀女,郭圣莉.城乡差异视角下医疗保险的隐性福利估值及机制研究——基于CGSS主观幸福感数据的实证分析[J].华中农业大学学报(社科),2018,(6):93-103
城乡差异视角下医疗保险的隐性福利估值及机制研究——基于CGSS主观幸福感数据的实证分析
Research on Valuation of Implicit Welfare and Mechanism of Health Insurance from the Perspective of Urban and Rural Differences——An Empirical Analysis on Subjective Well-being of CGSS Data
  
DOI:
中文关键词:医疗保险  LSA估值法  主观幸福感  隐性福利  风险分担
英文关键词:health insurance  LSA valuation method  subjective sense of well-being  implicit welfare  risk-sharing
基金项目:教育部人文社会科学研究青年基金项目“新常态背景下我国试点地区长期护理保险制度可持续性及策略优化研究”(17YJCZH067);中央高校基本科研业务费探索研究基金项目“最优卫生投入规模与经济增长”(WE1824005)。
作者单位
黄秀女 华东理工大学 社会与公共管理学院上海 200237 
郭圣莉 华东理工大学 社会与公共管理学院上海 200237 
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中文摘要:
      基于中国社会科学综合调查(CGSS)2005年、2010年和2015年的三期截面数据,运用OLS及PSM方法研究医疗保险对主观幸福感的影响及作用机制,并首次运用LSA估值法测算了隐性福利的货币价值。研究发现,医疗保险显著地促进了居民主观幸福感的提升,总体上隐性福利价值约为年收入的24.58%,农村隐性福利提高的幅度高于城镇;但进一步按收入从低到高分组,则发现农村低收入人群的隐性福利并没有得到显著提高,原因可能在于农村低收入人群就医时仍具有较高家庭负担。据此提出,提高农村低收入人群医疗保险的报销比例,或者降低其就医时的门槛,灵活设置低收入人群的医疗保险降低其就医负担,才能达到精准健康扶贫和提高其隐性福利的目标。
英文摘要:
      Based on the CGSS data in 2005,2010 and 2015 and the method of OLS and PSM,this paper evaluated the impact and mechanism of health insurance on subjective sense of well-being with,and calculated the monetary value of implicit welfare via the valuation method of LSA. The results show that the social health insurance is positive to residents’ subjective sense of well-being,the value of implicit welfare accounts for about 24.58% of the total yearly income,and the increase rate of implicit benefits in rural areas is higher than that in urban areas. However,a further classification of income reveals that the implicit welfare of low-income group in rural areas has not been significantly improved. It is probably because the rural low-income group still have a higher family burden when seeking for medical treatment. Accordingly,it is proposed to increase the proportion of reimbursement for rural low-income group,or reduce the threshold of medical treatment,and flexibly design medical insurance for them to alleviate their medical burden,so as to achieve the aim of targeted health poverty alleviation and improve their implicit welfare.
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