《保险研究》20211106-《在政府、市场与社会之间大学生重特大疾病补充医保参与意愿的随机控制实验》（王超群、史健群）

［摘   要］相较于覆盖全民的基本医疗保险,重特大疾病补充医保的参保率不高,亟需提升潜在目标对象的参保意愿。本文利用随机控制实验方法,分析了不同举办主体对大学生重特大疾病补充医保的参保意愿的影响。结果显示,相较于政府发起的重特大疾病补充医保项目,大学生更不愿意参加由社会和市场发起的项目。在社会和市场发起的项目之间,大学生并没有明显的偏好。仅仅告知大学生重特大疾病补充医保的举办主体是政府,大学生参保意愿就比举办主体是社会和市场时提高10~15个百分点。为了提高重特大疾病补充医保的参保意愿,本文建议,应加强政府在重特大疾病补充医保中的作用；商业健康保险公司和慈善机构应采取有力措施,改善自身社会形象；重特大疾病补充医保应根据各地、各类人群疾病的发生情况合理设置保费标准和待遇水平。

［关键词］重特大疾病补充医保；参与意愿；大学生；信任；随机控制实验

［基金项目］本文得到首都医科大学国家医疗保障研究院开放性课题项目(YB2020B10)的资助。

［作者简介］王超群,华中师范大学公共管理学院副教授,管理学博士,研究方向:医疗保障、卫生费用增长；史健群,华中师范大学公共管理学院硕士研究生,研究方向:医疗保险。

Among the Government,Market and Society:A Randomized Controlled Trails on College Students′ Willingness to Participate in Supplementary Medical Insurance for Catastrophic Diseases

WANG Chao-qun,SHI Jian-qun

Abstract：Compared with the basic medical insurance covering the whole population,the participation rate of supplementary medical insurance projects for catastrophic diseases is not high,so it is urgent to improve the participation willingness of potential target people.This paper conducted a Randomized Controlled Trails (RCT) to analyze the influence of different organizers of supplementary medical insurance projectsfor catastrophic diseases on college student’s willingness to participate in the insurance projects.The results show that compared with the supplementary medical insurance projects for catastrophic diseases initiated by the government,college students are even less willing to participate in programs initiated by the society and the market.Between social and market-initiated projects,college students have no obvious preference.Just telling college students that the organizer is the government,college students′ willingness to participate in the insurance projects will increase by 10-15 percentage points compared with the case that the organizer is the society or the market.In order to improve the willingness to participate in supplementary medical insurance projects for catastrophic diseases,this paper suggests that the government should strengthen its role in supplementary medical insurance projects for catastrophic diseases.Health insurance companies and charity organizations should take effective measures to improve their social image.Supplementary medical insurancefor catastrophic diseases should be based on the incidence of diseases in various places and groups,and the premium standard and benefit level should not be set across the board.

Key words：supplementary medical insurance projects for catastrophic diseases;participation willingness;college students;trust;randomized controlled trails