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1、·宁夏医科大学硕士研究生学位论文摘要StudyingthecalculationofcatastrophicmedicalinsuranceofurbanandruralresidentsinNingxia——takethecountyinGuyuancityasansamplesABSTRACTBackground:ThecatastrophicmedicalinsurancesystemwasmakedinAugust24,2012,afterthatmanypilotcitiesbegintoimple
2、mentit,calculationofthedefinitionofcatastrophicthreshold,financingetconthebasisofcommercialinsurancecompaniesparticipateinthemanagementcancontributetoexploremorereasonableandeffectivecatastrophicmedicalinsurancesystem,andbettertointegratemedicalneeds,provid
3、eatheorybasisforimprovingtheefficiencyofmedicalinsurance.Objective:AccordingtoanalysisthebasicsituationofcatastrophicmedicalinsuranceofurbanandruralresidentsinNingxiaandtheimplementationstatusofthecountyinpilotcity,adoptthemethodoftheWorldhealthorganization
4、(WHO)catastrophicmedicalexpenditureandtheaverageincomemethodofpovertylinetocalculatethedefinitionofcatastrophicthresholdofcatastrophicmedicalinsurance,basedonthebenefitofinsuredpersondeterminethedefinitionofcatastrophicthreshold,thencalculatethefinancingund
5、ertheconditionofcommercialinsurancecompanyParticipateinmanagement,exploringmorereasonableandeffectivecatastrophicmedicalinsurancesystemwithimplementationofthecounty.Methods:Analyzethebasicsituationandimplementationstatusofthecountywithstatisticalanddescript
6、iveanalysismethod,calculationthedefinitionofcatastrophicthresholdwithWHOcatastrophicmedicalexpendituremethodandtheaverageincomemethodofpovertyline,usethecostestimationmodelofILOmodeltocalculatethefinancing,usethefour-partmodeltocalculatecatastrophicmedicale
7、xpenses,useestimatemethodtocalculatetheindividualfunding,themethodusingreferenceestimateinsurancefactorandriskfunds,useratiomethodtocalculatethegrowthfactor,usepersonalinterviewsandexpertconsultationtocalculatethemanagementcostsofcommercialinsurancecompanie
8、s.Results:1.ThecatastrophicmedicalinsuranceofurbanandruralresidentsinNingxiadefinitetheconceptionofcatastrophicdiseasewithhighmedicalexpenditurebasedandconsider20seriousdiseases,the···III-···宁夏医科大学硕士研究
