摘要
目的 分析政府和保险企业在我国普惠型商业医疗保险推进落实中政策工具的使用情况,探究现有政策存在的问题并提供建议.方法 采用目的抽样法检索各省市政府官方网站,获取政策文件26份,检索时限为2020年1月1日—2023年5月10日.构建政策工具-参与主体二维分析框架,对政策文件进行编码和统计分析.结果 政策工具维度中供给型、环境型和需求型工具分别占25.66％、64.31％和10.03％,参与主体维度中政府、保险企业和受众群体的编码条数分别占84.07％、11.80％和4.13％.结论 我国普惠型商业医疗保险的政策工具使用与主体参与力度存在失衡现象.政策工具方面,应优化使用结构、均衡运用子工具;参与主体方面,应强化政府的主导责任与意识、协同保险企业进行统一治理、共同完善组织架构,以提高产品服务质量.
Abstract
Objective To analyze the use of policy tools by the government and insurance companies in the promotion and implementation of inclusive commercial medical insurance in China,explore the existing problems in existing policies and provide suggestions.Methods Objective sampling method was used to search the official websites of provincial and municipal governments to obtain 26 policy documents from 1 January 2020 to 10 May 2023.Constructing a two-dimensional analysis framework of policy instruments-participants,and conducting coding and statistical analysis of policy documents.Results In terms of policy tools,supply,environment and demand tools were account for 25.66％,64.31％and 10.03％,respectively.In the dimension of participants,the number of codes of government,insurance companies and audience groups were 84.07％,11.80％and 4.13％,respectively.Conclusion There is an imbalance between the use of policy tools and the participation of subjects in the inclusive commercial medical insurance in China.In terms of policy tools,it is recommend to optimize the use structure and balance the use of sub-tools.In terms of participants,the government should strengthen its leading responsibility and awareness,cooperate with insurance companies to conduct unified governance,and jointly improve the organizational structure to improve the quality of products and services.
维普
万方数据