Table 4 Payment intention, reimbursement expectation, prefferred healthcare insurance model, integration willingness and reasons of URCMS, NRCMS and UECMS enrollees
From: Integration of rural and urban healthcare insurance schemes in China: an empirical research
URBMI (%) | NRCMS (%) | UEBMI (%) | ||
|---|---|---|---|---|
Payment intention | 20 yuan or below | 4.8 | 10.2 | 4.8 |
21–50 yuan | 14.3 | 25.1 | 8.4 | |
51–100 yuan | 24.8 | 19.4 | 9.9 | |
101–200 yuan | 28.6 | 14.1 | 15.9 | |
201–300 yuan | 10.7 | 9.5 | 7.4 | |
301–500 yuan | 9.4 | 5.1 | 14.9 | |
501–800 yuan | 3.6 | 4.3 | 15.2 | |
801–1000 yuan | 1.8 | 7.4 | 9.1 | |
above 1000 yuan | 2.0 | 4.9 | 14.4 | |
Total | 100.0 | 100.0 | 100.0 | |
Reimbursement expectation | 30% or below | 0.0 | 3.6 | 0.0 |
31%–40% | 3.6 | 4.6 | 0.0 | |
41%–50% | 4.1 | 5.6 | 1.5 | |
51%–60% | 5.1 | 10.7 | 1.8 | |
61%–70% | 6.1 | 5.1 | 2.3 | |
71%–80% | 31.4 | 27.4 | 18.7 | |
81%–90% | 30.1 | 25.6 | 38.2 | |
above 90% | 19.6 | 17.4 | 37.5 | |
Total | 100.0 | 100.0 | 100.0 | |
Preferred healthcare insurance package | Package 1 | 11.7 | 19.2 | 5.6 |
Package 2 | 57.9 | 47.1 | 36.7 | |
Package 3 | 30.4 | 33.7 | 57.7 | |
Total | 100.0 | 100.0 | 100.0 | |
Integration willingness | Support | 69.6 | 80.5 | 57.7 |
Oppose | 18.9 | 8.2 | 30.6 | |
Not sure | 11.5 | 11.3 | 11.7 | |
Total | 100.0 | 100.0 | 100.0 | |
Reasons of supporting healthcare insurance integration | It would achieve equal access to healthcare services. | 45.0 | 65.7 | 64.0 |
There would be more options of hospital for participants. | 48.7 | 40.6 | 27.1 | |
It would reduce the healthcare gap between urban and rural areas. | 31.5 | 38.4 | 38.5 | |
Participants would enjoy better healthcare services. | 35.8 | 27.3 | 47.9 | |
It would improve the overall risk resistance ability of insuran scheme. | 12.4 | 10.1 | 25.8 | |
It would facilitate the labour flow between urban and rural areas. | 6.2 | 8.8 | 17.1 | |
It would reduce the administration costs. | 7.6 | 3.4 | 14.4 | |
Others. | 1.8 | 2.2 | 1.7 | |
Reasons of opposing healthcare insurance integration | The payment and treatment standards of the systems are different. | 36.4 | 46.8 | 31.4 |
Administration of insurance may fall behind after integration. | 39.1 | 28.1 | 32.2 | |
Urban and rural participants have different healthcare needs. | 31.0 | 46.8 | 21.4 | |
Some pilot areas should be implemented before implementation on a large scale. | 28.3 | 21.8 | 25.6 | |
Some people may take advantage of the integrated insurance scheme | 33.7 | 34.3 | 17.3 | |
The conditions for integration are not yet ripe. | 29.7 | 25.0 | 13.0 | |
Others. | 25.6 | 40.6 | 18.1 |