目的: 以感知价值理论为指导,对大学生医保感知价值与满意度的关系进行论证,为夯实全民医保根基、促进可持续发展提供参考。方法: 采取随机抽样方法,抽取潍坊3所高校1341名在校大学生进行问卷调查,收集数据采用独立样本t检验、单因素方差分析、线性回归模型进行分析。结果: 大学生医保总体感知价值情况得分为3.71±0.76。功能价值和价格价值得分相对较低,情感价值和社会价值得分相对较高,分别为3.63±0.76、3.69±0.80、3.78±0.81、3.77±0.81;满意度得分为3.75±0.79,医保满意度有待提高;健康状况为非常健康、未患病、未住院,以及连续参保的大学生的社会价值得分和满意度水平高于其他组别大学生,差异有统计学意义（p<0.05）;功能价值、价格价值、社会价值均正向影响大学生对医保的满意度（B值分别为0.10、0.38、0.44,p<0.05）。结论: 在校大学生医保感知价值与满意度情况均有待提升,可从提高医保政策优惠力度、加大政策宣传等角度进行完善,提高大学生医保感知水平与满意度。

Objective: Guided by perceived value theory, the relationship between perceived value and college students' satisfaction with medical insurance is demonstrated to provide a reference for strengthening the foundation of universal health insurance and promoting the sustainable development of basic medical insurance. Methods: A random sampling method was adopted to select 1341 students from 3 colleges in Weifang for the questionnaire survey, and the collected data were analyzed by independent sample t-test, one-way analysis of variance, and linear regression model. Results: The overall perceived value of medical insurance among college students was 3.71±0.76, with lower scores for function value and price value, and higher scores for emotional value and social value, which were 3.63±0.76, 3.69±0.80, 3.78±0.81, and 3.77±0.81, respectively. The satisfaction score was 3.75±0.79 and their satisfaction with medical insurance needs to be improved. The social value scores and satisfaction levels of college students who are very healthy, not ill, not hospitalized, and continuously participate in basic medical insurance are higher than other groups of college students, and the difference is statistically significant (p<0.05). Function value, price value, and social value can positively affect college students' satisfaction with medical insurance (B-values were 0.10, 0.38, and 0.44, respectively, p<0.05). Conclusion: The perceived value and satisfaction with medical insurance of college students improved. We can increase the incentives of medical insurance policies and increase policy promotion, in order to enhance the perception and satisfaction level of medical insurance among college students.