Are People Enrolled in NCMS and CURBMI Susceptible in Catastrophic Health Expenditure? Evidence From China

Inquiry: a journal of medical care organization, provision and financing

article

Xinpeng Xu¹  Hai Gu¹  Hua You²  Lan Bai¹  Decheng Li¹  Nan Cui¹  Wenxuan Wu¹  Yun Kou³ 

[1] Nanjing University;Nanjing Medical University;Zhejiang University

关键词: insurance;    major medical;    catastrophic health expenditure;    incidence;    middle aged;    aged;    regression analysis;    China;   

DOI  :  10.1177/0046958020919282

来源: Sage Journals

【 摘 要 】

This study investigated associations between different types of medical insurance and the incidence of catastrophic health expenditure among middle-aged and the aged in China. The data came from the China Health and Retirement Longitudinal Survey implemented in 2013, with 9782 individuals analyzed. Probit regression models and multiple linear regressions were employed to explore the relationship mentioned above and potential mechanisms behind it. It was found that compared with participants in Urban Resident Basic Medical Insurance, individuals participating in New Cooperative Medical Scheme and Coordinating Urban and Rural Basic Medical Insurance was less likely to undergo catastrophic health expenditure ( P < .001, P = .008), especially for low-income and middle-income group. Participants in New Cooperative Medical Scheme and Coordinating Urban and Rural Basic Medical Insurance were more likely to utilize inpatient medical service ( P < .001, P = .020) and choose low-level medical institutions for treatment ( P = .003, P = .006). And individuals participating in New Cooperative Medical Scheme had lower out-of-pocket expenditure ( P = .034). The study showed the significant difference in the incidence of catastrophic health expenditure among participants in different medical insurances. Efforts should be made to improve the service quality of grassroots medical institutions except for the increase of reimbursement ratio, so that rural residents can enjoy high-quality medical services.

【 授权许可】

Unknown