作　　者： ; ;

机构地区： 广东金融学院

出　　处： 《广西经济管理干部学院学报》 2019年第1期19-25,共7页

摘　　要： 医疗保险对参保人就医行为的影响是医疗保险制度实施效果评估的重要视角。文章基于2015年中国健康与养老追踪调查(CHARLS)数据,通过构建OLS模型和Logit模型,实证分析城镇居民医疗保险制度对参保人就医行为的影响。研究发现,城镇居民医疗保险制度显著改变了参保人的就医行为,不仅增加了参保人的就诊次数,同时还提高了参保人到非基层医疗机构就医的概率。此外,研究还发现,年龄、受教育程度、收入水平、婚姻状况、健康状况也是影响就医行为的重要因素,但这些因素的影响方向和影响程度存在差异性。 The influence of medical insurance on the medical behavior of the insured is an important perspective for the effect evaluation of the medical insurance system. Based on the CHARLS(2015) data,this study analyzed the influence of the medical insurance system for urban residents on the medical behavior of the insured. And found that the medical insurance system for urban residents significantly changed the medical behavior of the insured,which not only increased the number of medical visits,but also increased the probability of the insured to seek medical treatment in non-primary medical institutions. In addition,this study also found that age,education level,income level,marital status and health status are also important factors affecting medical treatment behavior,but there are differences in the diRection and degree of these factors.

关 键 词： 城镇居民医疗保险制度 就医行为 就医机构 就诊次数 效果评估

领　　域： [经济管理—保险]