北京市属高校大学生基本医疗保险参保意愿及影响因素研究

蔡心雨, 高广颖, 忻平, 付映宏, 田佳帅

中国医疗保险 ›› 2025, Vol. 0 ›› Issue (8) : 70-78.

中国医疗保险 ›› 2025, Vol. 0 ›› Issue (8) : 70-78. DOI: 10.19546/j.issn.1674-3830.2025.8.008
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北京市属高校大学生基本医疗保险参保意愿及影响因素研究

  • 蔡心雨1, 高广颖1, 忻平2, 付映宏3, 田佳帅1
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An Exploration of Willingness to Enroll in Basic Medical Insurance and Its Determinants Among Students in Municipal Colleges and Universities in Beijing City

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摘要

目的: 本研究通过北京市属高校大学生参加居民医保的意愿调查,分析将其纳入居民医保的可行性和主要影响因素,为政策推行提供依据。方法: 收集3所北京市属高校在校大学生参保意愿调查问卷,采用Logistic回归分析其参保影响因素。结果: 共回收有效问卷3380份,其中71.78%的大学生接受加入居民医保,不接受人群主要特征为非医学类院校、京籍等。Logistic回归分析结果显示,所在非医学类院校、参加了居民医保或其他商业保险、了解公费医疗相关政策、近一年有就诊未报销的情况等均为大学生不接受参加居民医保的危险因素(P<0.05)。结论: 应尽快将大学生纳入居民医保,定制大学生个性化医保筹资及报销待遇,增强自身健康管理意识及对基本医保的认知程度,按学籍参保以规避重复参保问题。

Abstract

Objective: This study investigates the willingness of students in Beijing municipal colleges and universities to enroll in the urban and rural residents’ basic medical insurance (URRBMI) and analyzes the feasibility of including the group into URRBMI and main influencing factors, to provide evidence for policy implementation. Methods: A questionnaire survey was conducted among students from three Beijing municipal colleges and universities. Logistic regression analysis was employed to identify factors influencing their willingness. Results: A total of 3380 questionnaires were valid. Among the respondents, 71.78% expressed willingness to join URRBMI. Those who were unwilling to participate in URRBMI were predominantly from non-medical universities and students with Beijing household registration. Logistic regression analysis revealed that factors associated with unwillingness to participate in URRBMI included enrolling in non-medical universities, being covered by residents’ medical insurance or other commercial insurance, having knowledge of public-funded medical policies, and experiencing unreimbursed medical consultations in the past year (P < 0.05). Conclusion: College students should be integrated into the URRBMI system promptly. Policymakers should design financing and reimbursement schemes tailored to college students’ needs, enhance health management capabilities and insurance literacy of college students, and implement enrollment based on student status to eliminate duplicate participation.

关键词

大学生参保 / 公费医疗 / 城乡居民基本医疗保险 / 参保意愿

Key words

college students enrolling in medical insurance / public-funded medical care / basic medical insurance for urban and rural residents / willingness to enroll in insurance

引用本文

导出引用
蔡心雨, 高广颖, 忻平, 付映宏, 田佳帅. 北京市属高校大学生基本医疗保险参保意愿及影响因素研究[J]. 中国医疗保险. 2025, 0(8): 70-78 https://doi.org/10.19546/j.issn.1674-3830.2025.8.008
An Exploration of Willingness to Enroll in Basic Medical Insurance and Its Determinants Among Students in Municipal Colleges and Universities in Beijing City[J]. China Health Insurance. 2025, 0(8): 70-78 https://doi.org/10.19546/j.issn.1674-3830.2025.8.008
中图分类号: F840.684    C913.7   

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基金

首都卫生管理与政策研究基地2024年度开放性课题重点项目“北京市属高校大学生参保路径与风险对策研究”(2024JD02)

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