医疗保险真的能使印度人口受益吗? 来自全国代表性样本调查调查的证据
1University School of Management and Entrepreneurship, Delhi Technological University, New Delhi, India.
The International journal of health planning and management
|November 1, 2023
概括
印度的医疗保险,特别是政府赞助的计划,显示出减少自付医疗支出和灾难性医疗支出的潜力. 然而,私人保险有利于更富裕的人口,突出了在实现全民医疗覆盖的公平问题.
科学领域:
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
- 医疗保健的融资 医疗保健的融资
背景情况:
- 全民健康覆盖 (UHC) 是一个全球目标,旨在提供公平的医疗保健,而不会造成经济困难.
- 印度已经实施了各种健康保险计划,以推进UHC.
研究的目的:
- 评估医疗保险 (总体,政府赞助和私人自愿) 对印度医疗保健获取,利用,支出和贫困的影响.
- 评估医疗保险在减轻与医疗保健相关的财务负担方面的作用.
主要方法:
- 利用了来自全国样本调查办公室第75轮调查的数据,覆盖了超过555,000人.
- 使用描述性统计,多变量逻辑回归和倾向性得分匹配 (PSM) 进行分析.
主要成果:
- 政府资助的医疗保险 (GSHI) 减少了3314印度卢比的自费支出 (OOPE) 和1%-4%的灾难性医疗支出 (CHE).
- 私人自愿医疗保险显著减少了OOPE的INR13,511和CHE,但其吸收集中在富裕人口中,引发了公平问题.
- GSHI显示,对贫困人口的OOPE有微不足道的减少,但对CHE负担没有统计学上显著的减少.
结论:
- 提高对综合健康保险的认识和采用对于财务保护至关重要.
- 提高公共卫生支出,加强公共卫生保健基础设施和改善私人提供者监管对于增加财务保护和实现UHC至关重要.
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