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改革中国罕见病安全体系:风险管理前景和专门的保险创新
Yumeng Zhang1, Minghao Yang1, Qiang Su1
1Department of Pharmacy Administration, School of Business Administration, Shenyang Pharmaceutical University, 103 Wenhua Road, Shenyang 110016, China.
Healthcare (Basel, Switzerland)
|September 13, 2025
概括
中国中国中国中国.
科学领域:
- 公共卫生 公共卫生
- 卫生政策 卫生政策
- 风险管理 风险管理
背景情况:
- 在中国,罕见病患者面临巨大的医疗费用.
- 当前的保险框架提供了不够的覆盖深度和积极的风险控制.
- 在罕见疾病保护方面,急需进行制度改革.
研究的目的:
- 分析中国目前的罕见病防护政策.
- 通过风险管理和健康资本理论,研究潜在的机构改革.
- 评估对罕见疾病的风险应对途径和健康投资效率.
主要方法:
- 对中国现有的罕见病保护政策内容分析.
- 应用风险管理理论和健康资本模型.
- 制定一个机构改革评估的分析框架.
主要成果:
- 基本医疗保险 (BMI) 为罕见疾病提供有限的财务保护.
- 在城市/农村居民和雇员基本医疗保险计划中,门诊医疗补偿的低上限普遍存在.
- 补充保险机制是无效的,政策是反应性的,缺乏早期干预.
结论:
- 中国的罕见病安全系统需要在覆盖和风险管理方面进行结构性改进.
- 作为一个可行的,可持续的模式,提出了针对罕见疾病的专门保险计划 (DISRD).
- 在全球范围内,DISRD为开发积极的公共卫生系统提供了见解.
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