| Despite that more than 1.350 billion of the population have been covered by China's basic medical insurance as of October 2018,implying the general realization of full coverage of social insurance,there is no definite conclusion about the influencing mode of basic medical insurance on patients' consumption and medical treatment choice at the present stage,the way that the degree of compensation effect that basic medical insurance provides to patients in terms of economic status,psychological status reflects the level of this kind of influence,as well as the degree of compensation effect that basic medical insurance can provide to patients in terms of economic status,psychological status,etc.Based on this and from the perspective of the effect of China's basic medical insurance on patients' choices,this paper carries out the qualitative and quantitative analysis of basic medical insurance's influencing mechanism on patients' choice willingness and its compensation effect in economic and psychological status on patients,with view of pinpointing a basis for the future development of China's basic medical insurance by achieving a more scientific and accurate grasp of its current level and status.In this paper,the development course and current situation of China's basic medical insurance system are first interpreted,while the impact of basic medical insurance on patients' consumption and medical treatment choices are subsequently analyzed by means of modeling;In the empirical analysis part,OLS method and propensity score matching(PSM)method are adopted to carry out quantitative analysis of the direct and indirect economic compensation as well as psychological adjustment effects of China's basic medical insurance,with the purpose of demonstrating the quantitative level of the empacts the basic medical insurance brings to patients' choices;besides,the dynamic development trend of the above three aspects' compensation effects in time dimension are further explored as well.At the end of this paper,certain policy recommendations feasibility are put forward based on the conclusions of the study.The following conclusions are mainly drawn in the paper:Firstly,theoretical analysis shows that the basic medical insurance of China assumes direct or indirect influence on patients' choice of medical treatment and consumption,while the effects of such influence are also related to other factors such as the premium of basic medical insurance;Secondly,in accordance with the empirical results,the level of direct medical expense compensation that basic medical insurance offers to patients is low,while the stimulating effects put on non-medical consumption is small and relatively stable;in terms of patients' medical treat choice,the impacts that basic medical insurance makes to it decrease with time.Thirdly,whether to be involved in basic medical insurance or not demonstrates no significant impact on both the total medical expenses of the patients who adopt direct economic compensation and the educational expenses of the families of patients adopting indirect economic compensation.Nevertheless,the self-paying medical expenses of patients adopting direct economic compensation,the quantity of durable goods owned by the families of patients adopting indirect economic compensation as well as the medical treatment choices and life satisfaction adopting psychological adjustment are all subject to significant impact of basic medical insurance. |
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