政策工具何以赋能惠民保发展&#x02014;&#x02014;基于95份政策文本的分析

杨珺博; 孙敬如; 杨卓; 王群

doi:10.19546/j.issn.1674-3830.2025.5.013

中国医疗保险 ›› 2025, Vol. 0 ›› Issue (5) : 96-102. DOI: 10.19546/j.issn.1674-3830.2025.5.013

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政策工具何以赋能惠民保发展——基于95份政策文本的分析

杨珺博, 孙敬如, 杨卓, 王群

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How Policy Tools Enable the Development of City-Customized Commercial Health Insurance——An Analysis Based on 95 Policy Texts

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摘要

目的: 探讨如何更好发挥政策工具作用,使其更好赋能惠民保发展。方法: 本文以惠民保相关政策为研究对象,在中央及各省市政府网站选取与惠民保直接相关的政策文本共95份,使用政策工具、政策目标两个维度搭建我国惠民保政策的二维分析框架,利用Nvivo 12进行编码分析,全面总结政策文本中每个政策工具的具体应用情境。结果: 利用矩阵分析发现,“宣传引导”+“消费市场”的政策工具组合有效赋能扩大覆盖目标,有利于化解参保率低的问题;“激励引导”+“目标规划”的政策工具组合赋能惠民利民目标,可提升发展普惠性;“监督管理”+“科技赋能”的政策工具组合支撑持续发展目标,保障发展可持续性;“监督管理”+“宣传引导”的政策工具组合赋能公平理赔目标,规避逆向选择风险。结论: 为更好发挥政策工具作用,赋能惠民保发展,建议改善环境型政策工具结构,加强事前事中管理等。

Abstract

Objective: The paper explores how to better play the role of policy tools to better empower the development of city-customized commercial health insurance. Method: This paper takes policies related to city-customized commercial health insurance as the research object, selecting 95 policy texts directly related to city-customized commercial health insurance on the websites of central, provincial and municipal governments. This paper sets up an analysis framework of China's city-customized commercial health insurance policy from two dimensions of policy tools and policy objectives, uses Nvivo12 for coding analysis, and comprehensively summarizes the specific application situations of each policy tool in the policy texts. Result: By using matrix analysis, it is found that the combination of policy tools of “publicity and guidance” plus “consumer market” can effectively expand the coverage target, assisting to ease the problem of low participation rate; “Incentive and guidance” plus “goal planning" enables the goal of benefiting the people and enhancing the inclusiveness of development; “Supervision and management” plus “technology empowerment” supports sustainable development goal and ensures sustainable development; “Supervision and management” plus “publicity and guidance” enables the goal of fair claims settlement and avoids the risk of adverse selection. Conclusion: To better play the role of policy tools and empower the development of city-customized commercial health insurance, it is recommended to improve the structure of environmental policy tools and strengthen the whole process management.

导出引用

杨珺博, 孙敬如, 杨卓, 王群. 政策工具何以赋能惠民保发展——基于95份政策文本的分析[J]. 中国医疗保险. 2025, 0(5): 96-102 https://doi.org/10.19546/j.issn.1674-3830.2025.5.013

How Policy Tools Enable the Development of City-Customized Commercial Health Insurance——An Analysis Based on 95 Policy Texts[J]. China Health Insurance. 2025, 0(5): 96-102 https://doi.org/10.19546/j.issn.1674-3830.2025.5.013

中图分类号： F840.684 C913.7

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