Yinjun Zhao1, Bowei Kang2, Yawen Liu3, Yichong Li1, Guoqing Shi4, Tao Shen4, Yong Jiang1, Mei Zhang1, Maigeng Zhou1, Limin Wang1. 1. Department of Risk Factor Surveillance, National Center for Chronic and Non-communicable Disease Control and Prevention, Beijing, China. 2. Actuarial Department, China Life Insurance Company Limited, Beijing, China. 3. School of Statistics, University of International Business and Economics, Beijing, China. 4. Chinese Field Epidemiology Training Program Department of Education and Training, Chinese Center for Disease Control and Prevention, Beijing, China.
Abstract
BACKGROUND: China has the world's largest floating (migrant) population, which has characteristics largely different from the rest of the population. Our goal is to study health insurance coverage and its impact on medical cost for this population. METHODS: A telephone survey was conducted in 2012. 644 subjects were surveyed. Univariate and multivariate analysis were conducted on insurance coverage and medical cost. RESULTS: 82.2% of the surveyed subjects were covered by basic insurance at hometowns with hukou or at residences. Subjects' characteristics including age, education, occupation, and presence of chronic diseases were associated with insurance coverage. After controlling for confounders, insurance coverage was not significantly associated with gross or out-of-pocket medical cost. CONCLUSION: For the floating population, health insurance coverage needs to be improved. Policy interventions are needed so that health insurance can have a more effective protective effect on cost.
BACKGROUND: China has the world's largest floating (migrant) population, which has characteristics largely different from the rest of the population. Our goal is to study health insurance coverage and its impact on medical cost for this population. METHODS: A telephone survey was conducted in 2012. 644 subjects were surveyed. Univariate and multivariate analysis were conducted on insurance coverage and medical cost. RESULTS: 82.2% of the surveyed subjects were covered by basic insurance at hometowns with hukou or at residences. Subjects' characteristics including age, education, occupation, and presence of chronic diseases were associated with insurance coverage. After controlling for confounders, insurance coverage was not significantly associated with gross or out-of-pocket medical cost. CONCLUSION: For the floating population, health insurance coverage needs to be improved. Policy interventions are needed so that health insurance can have a more effective protective effect on cost.
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