社会医疗保险吉芬商品属性与多层次保险体系探讨.pdfVIP

口医疗保障 《中国卫生经济》第35卷第9期{总第403期) 2016年9月 社会医疗保险吉芬商品属性与多层次保险体系探讨* 吴传俭(1) 摘 要 医疗保险是政府履行全民健康覆盖责任的重要方式，但也同时面临言芬商品与非吉芬商品的异质性均衡问题。 为了减少医疗保险吉芬商品属性造成的效率损失，财政资金和社会医疗保险应该在责任边界明确的分层分类保障的基础上， 合理兼顾财富与生命价值保障效应，并优先满足必要的高质量医疗服务需求，以保障生命价值免遭不可逆健康损害造成的全 生命周期贫困。建议通过抑制害需求竞争的医疗服务管制、提高基金补偿效率的健康凤险治理、因易被误解而错配保险资源的 修正机制和通过蕾惠金融适度贴现生命价值等措施，不断提高社会医疗保险的适度保障效力。 关键词 社会医疗保险;言芬商品;生命价值;全民健康覆盖 中图分类号阳-9; F840 .613 文献标志码 C 文章编号 1003-0743(2016)09-0035-04 001 10.7664/CHE2016091 0 Study on Giffen Goods Attribute of SociaJ Medical Insurance and Multi-Ievel Insurance SystemIWU Chuan-jianl/Chi- nωe Healtb Economics, 2016,35(9):35-38 Abstract Medical insurance is an im阳rtant way to implement the govemment responsibility of universal health coverage, but it also faces lhe helerogeneity balance problem of Giffen goods and non呻Gjffen. To reduce the efficiency loss lead by Giffen goods auri- bute of medical insurance, íinancial capital and social medical insurance fund should rationally balance effeclive of financial and life value security, and preferenlially meel the demand of necessary high quality medical service so as 10 凯larantee the life cycle poverty led by irreversible health damage bωed on hierarchical classification with defined responsibílity boundary. lt suggested ωimprove the suitable security effectiveness of social medical insurance by limiting medical service ægulation for demand competition , improv- ing the health risk governance for fund compensation efficiency, the correction mechanism for mismatched insurance resources and popularizing suitable fund for life value. Key words social medical insurance; Giffen goods; life value; universal health coverage Authors a ddress School of Govemment Audil, Nanjing Audit University , Nanjing , 21 1815, China 因病