A Study On Satisfaction And Influencing Factors Of Urban And Rural Residents’ Medical Insurance Insured Farmers

Health is the universal and eternal theme of human beings,and the pursuit of health is the basic right of all residents in the new era.Good health requires a long-term and sustainable medical insurance system as a guarantee.For this reason,the Chinese government has provided a "trinity" medical insurance system with new rural cooperative medical system,medical insurance for employees and medical insurance for urban residents.However,there are significant differences in the level of compensation and payment provided by different medical insurance systems,as well as in the service quality of designated medical institutions.In order to narrow the gap between urban and rural medical insurance benefits and make up for the serious uneven distribution of medical resources,the State Council issued "Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents" in early 2016,making it an important step for urban and rural residents to obtain fair and reasonable medical insurance rights.At this stage,the medical insurance system for urban and rural residents basically covers all urban and rural residents,but the simple index of the insurance rate can no longer test the operation effect of the system.As the ultimate beneficiary,what is the attitude of farmers towards the integrated medical insurance system? How satisfied are you with medical insurance for urban and rural residents? How to compensate for the reimbursement and settlement of farmers who have gone to other places for medical treatment? This research takes this as the breakthrough point,and has carried on the thorough discussion and the detailed analysis to the related question.Based on the microscopic data from the field survey in Xinxian County of Henan Province,this paper uses the methods of literature research and quantitative and qualitative analysis to explore.First of all,review and summarize the relevant research literature at home and abroad,and get the latest research progress and possible breakthroughs in this article.Secondly,it introduces the core concept of this article,introduces social equity theory,expectation theory and attribution theory,and analyzes the consistency and difference between farmers’ insurance expectation and actual benefit compensation.Then,introduce the specific situation of the current medical insurance policy for urban and rural residents in Xinxian County,and understand its rationality from the system itself.Then,it analyzes the insured farmers’ awareness and cognition of the medical insurance policy and the farmers’ awarenessof the medical treatment policy in different places,and analyzes separately the insured farmers’ satisfaction with the medical insurance policy,medical institutions,agencies,fund raising mechanism,medical treatment in different places and the overall satisfaction.Furthermore,from the aspects of awareness and cognition,medical insurance policies,medical institutions,agencies and raising mechanisms,the paper empirically analyzes the influencing factors and significance of satisfaction degree of insured farmers by using ordered Logistic model.Finally,based on the results of empirical analysis,conclusions are drawn,and reasonable suggestions are put forward to improve farmers’ satisfaction.The results show that:(1)The medical insurance system for urban and rural residents is widely recognized by farmers.(2)The insured farmers have a low level of awareness of the health insurance policy,and most of them have a shallow level of understanding.(3)The effect of direct settlement policy for medical treatment in different places is not fully manifested,and most insured farmers still use more traditional methods for reimbursement.(4)The insured farmers have a good overall satisfaction with the medical insurance for urban and rural residents,and the satisfaction evaluation of other dimensions shows a trend similar to that of the overall evaluation.(5)Among the factors that affect the satisfaction degree of insured farmers,the fund raising mechanism has the most significant influence,and the medical insurance policy level,agencies level,medical institutions level,individual and family characteristics have certain influence.Combined with the research conclusion,the paper puts forward some suggestions and measures,such as reasonably determining the amount of insurance contribution,ensuring the adaptation to farmers’ income,improving the supply of medical insurance system,strengthening the capacity building of agencies,optimizing the quality of medical services,improving the level of primary medical services,increasing the publicity and interpretation of policies,and mobilizing the enthusiasm of farmers to participate.