A longitudinal comparative study of social medical insurance policies from the perspective of welfare incidence

Corresponding author: GongXi, xigong0504_xg@163.com

DOI: 10.12201/bmr.202108.00014

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  Abstract: In order to promote the high-quality and coordinated development of basic medical insurance policy, this paper examines and analyzes the basic medical insurance policy in China from the perspective of welfare attribution. This paper holds that the welfare incidence of social medical insurance policy includes three dimensions, which are the coverage of the insurance policy, the distribution of benefits of the insurance policy and the distribution of the disease risk burden. In terms of each dimension, policy coverage includes the insured rate and the noninsured rate, especially the basic characteristics of the uninsured groups. The benefit dimension of medical insurance policy mainly focuses on the distribution of benefits among different groups. The dimension of disease risk burden mainly focuses on the distribution of disease burden among different groups. The basic conclusions are as follows: the participation rate of medical insurance has been high, but the proportion of rural and low-income groups in uninsured groups is increasing. The benefits of medical insurance have some pro rich nature and have the tendency of strengthening. The disease burden has pro poor and has the tendency of strengthening. Therefore, it is necessary to stipulate the compulsory participation of medical insurance clearly, adjust the scope of basic medical insurance policy reasonably, and improve the policy of medical insurance compensation for vulnerable groups.

  Key words: Welfare ownership; Social medical insurance policy; Coverage rate; benefits incidence; Disease burden

  Submit time: 8 October 2021

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
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