頁籤選單縮合
題 名 | 臺灣地區老年自負醫療費用之研究=On the Self-Payment Medical Expenses of Old-Age People in Taiwan |
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作 者 | 藍玉珠; | 書刊名 | 德明學報 |
卷 期 | 27 民95.06 |
頁 次 | 頁167-183 |
分類號 | 412.56 |
關鍵詞 | 老年自負醫療費用; 家庭收支調查; Self-payment medical expenses of old-aged people; The survey of family income and expenditure; |
語 文 | 中文(Chinese) |
中文摘要 | 老年經濟生活之危險管理重心之一,即為健康管理,而健康管理除藉助社會福利制度之外,主要強調自助,此乃提供家庭經濟安全模式之後階段危險管理。臺灣地區面臨人口結構老化與醫療費用負擔漸增之背景下,本研究將推估臺灣地區老年醫療費用負擔,做為老人退休後財務規劃之依據。本文以行政院主計處家庭收支調查之數據資料進行研究,運用統計方法探討影響醫療費用相關因素並透過模型建構推估未來65歲以上人口醫療費用負擔之趨勢,進一步提醒個人需做適當之財務規劃,並瞭解未來商業醫療保險是否仍有發展的空間。本研究之重要結論為:戶長教育程度、受雇人員本業薪資、雇主負擔健保費與勞保保費支出、受雇人員其他非薪資報酬、收入與其他支出、政府補助健保費、平均個人國內生產毛額、年份、每戶老年人口數、所得與老年自負醫療費用皆呈正相關。本文研究之實證,可供個人醫療費用財務規劃或保險業者為保戶規劃保險之參考。 |
英文摘要 | Health management is one of the important risk managements for old-aged people economic activities. Except social security policies, health management emphasizes self-payment medical expenses. This method will protest post stage risk management for family economic securities. This research based on the data materials of investigating with family's revenues and expenditure provided by the department of Directorate-general of Budget, Accounting and Statistics, Executive Yuan, also, taking into consideration the analysis of the medical expenses and estimate, try to forecast the future trend of the medical expenses of population over 65. In the meantime, understand whether the commercial medical insurance still has further rooms for development. Several important findings are: the head of household education degree, the original wages of the employee, the expenditure of health insurance and labor premium by employer, other remuneration, income, and expenditure by employee not come from the original wages, the health insurance premium subsidized by the government, the average individual gross domestic product, year, the numbers of old people of each household, income and old age self-payment medical expenses all present positive correlation. This research results can provide a reference for individual medical expense planning and for insurers planning for their customers. |
本系統中英文摘要資訊取自各篇刊載內容。