辽宁大学经济学前沿高端讲座第九十一讲 Does Increasing the Generosity of Public Health Insurance Affect Medical Expenditures? Evidence from China’s Critical Illness Insurance Program

来源：

学校官网

收录时间：

2025-10-18 15:46:28

时间：

2025-06-16 10:00:00

地点：

辽宁大学崇山校区五洲园一楼会议室

报告人：

宋亚香

学校：

-/-

关键词：

public health insurance, medical expenditures, critical illness insurance, China, out-of-pocket expenses, health service utilization, econometric evaluation

简介：

China launched the Critical Illness Insurance (CII) program in 2012 with the objective of lowering out-of-pocket expenses for individuals enrolled in the government's health insurance programs. This paper utilizes the staggered timing of CII adoption across cities to estimate the impact of CII on medical costs and health service utilization of middle-aged and elderly individuals. The results indicate that, for rural insured individuals, CII had a negligible impact on the use of inpatient care, but decreased out-of-pocket expenses for inpatient care by 45% for those who utilized it. The reductions were greatest among individuals over 60 years old, those living in low-income households, and those with chronic illnesses. we do not find evidence of effects on urban insured residents' inpatient and outpatient expenditures or utilization, which is expected since the urban insured are less affected by the CII program given the higher pre-existing benefits in the urban insurance program.

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