张忠朝 袁涛

    医疗保障扶贫实施情况分析研究

    张忠朝 袁涛

    医疗保障扶贫以“三重医疗保障”为基础，辅之疾病应急救助、意外保险、商业健康保险、护理保险和慈善救助等，共同组成医疗保障扶贫体系，以消除城乡贫困人口因病致贫、因病返贫的问题，以提升医疗保障的公平性和可及性。我国医疗保障扶贫效果显著，实践中已经探索出不少成功经验，但依然存在“因病致贫”标准难以准确界定、医疗保障扶贫相关概念界定缺失、需警惕医疗扶贫变成捐赠买卖、医疗保障扶贫对象识别困难、医疗保障扶贫联动机制尚未形成等问题。因此，目前亟需合理核准“因病致贫”标准，科学界定医疗保障扶贫相关概念，精准识别“因病致贫”对象，以实现医疗保障扶贫联动衔接。

    医疗保障扶贫；三重医疗保障；因病致贫

    【Abstract】The medical security poverty alleviation is based on“three medical securities”and assisted with disease emergency assistance，accident insurance，commercial health insurance，care insurance and charitable relief to form medical security poverty alleviation and resolve poverty problems due to diseases for urban and rural poverty-stricken population and promote fairness and accessibility of medical security.The medical security poverty alleviation has produced significant effects and many successful experiences have been explored in practice，but there still exists many problems，such as the standards of “poverty due to disease” are diffcult to defne，relevant concept defnition of medical security poverty alleviation has been formed，special attention should be paid to forbid transforming medical security poverty alleviation into donation ......