Research On Disease Economical Risk And Risk Sharing Mode Among Senior Citizens In Impoverished Families In Rural Areas

Goal: According to the Third Health Service Survey, disease was the most important reason to cause poor. As to the senior citizens in impoverished families, on the one hand, the healthy of the senior citizen are still extremely prominent; they had the very high medical service demand; At the same time, as a result of the vulnerability in economical, physiological and psychological aspect, their medical services extremely limited. So the aim of research is to analyze the disease economical risk of impoverished household senior citizen in rural area. On the basis of it, the effect had been evaluated to both of the official share system and the unofficial share system. Then, some good suggestions will be given to improve our health safeguard system in rural area of China.Method: This research mainly unifies the method of the literature research and the scene survey, utilize literature analysis, by use of qualitative survey method just the expert consultation and so on the unifies quantitative survey methods and so on scene survey, compares and analyzes the correlation factor using the statistical analysis method to the target analysis. (1)Literature material originates from the books and the literature in domestic and foreign research for disease risk and disease economical risk correlation theories research; (2)Scene material originates "China West Countryside Impoverished Family Health risk Appraised And Risk Mode", the scene survey which carries on to the Chongqing Qianjiang area and Guizhou Guiding County. This survey including 1109 household countryside families, 4024 countryside inhabitants has carried on the close survey. In which, 319 impoverished family households, altogether has the senior citizen 403 people; The non-impoverished family 162 households, altogether have the senior citizen 206 people were selected as the data in this research. The impoverished family must be authorized by local civil administration department. (3)Analysis method, the descriptive statistics and the multi-factor Logistic return were be used to analyze the disease and the medical service of senior citizen. At the same time, disease economical risk influence factor has been classified and reorganized.Outcome: (1) there are no difference between senior citizen in impoverished family and non-impoverished family for two-week morbidity rate, morbidity rate of chronic disease; But as to the hospital admission, the impoverished family senior citizen lower than the non-impoverished family obviously. (2)Senior citizen in impoverished family has greater disease economical risk when they meet the disastrous disease, because of their low income and payment. The relatively economical risk of impoverished family senior citizen is high. (3)In the countryside, our country has not established the special safeguard system for the senior citizen. On the one hand, the participation fee about the NCMS and commercial insurance become the barrier; on the other hand, the sharing ability of official share system still very limited.(4)Unofficial share system was still the important method for the impoverished family senior citizen resists the disease economical risk. In the risk avoid method (savings expenditure, relatives and friends presents and so on), the obvious difference between the impoverished family and the non-impoverished family.Conclusion: After analysis to disease economical risk of impoverished family senior citizen, we can found that:(1)Expensive hospital expense disbursement is the most main disease economical risk of countryside senior citizen, the serious hospital expense often gives senior citizens of impoverished family more serious influence. Therefore, our country countryside medical service safeguard system will be supposed to safeguard the serious sickness, serious illness medical service expenditure primarily. (2)In the official share system, the impoverished family and the non-impoverished family senior citizen has the obvious difference. Even if the absolute expense still can repel a lot of impoverished family senior citizen outside the medical safeguard system. Therefore, we must strengthen the impoverished family senior citizen's senate gather the expense reducing.(3)Countryside impoverished family senior citizen was the frailest crowd; the medical insurance decided their anti-risk ability. Only NCMS relative popular, and the actual compensation enhances gradually, countryside impoverished family resistance disease economical risk ability can be enhanced.(4)Unofficial system will still long-standing, and can play a important role in resisting disease economical risk. In long section of times, the disease risk of countryside senior citizen needs the effort of official and the unofficial share system.(5)Our country still was"get old before getting rich", each kind of share way can only solve a little problem, therefore we must carried on the intervention to the disease economical risk form prevention, alleviation and cope three levels, and two kind of share level-- official and in the unofficial system to help impoverished family senior citizen resist the disease economical risk.