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Table 2 The disparities in health care expenditure by Insurance Schemes

From: Outcome-based health equity across different social health insurance schemes for the elderly in China

  Total health care expenditure (CNY) Insurance expendituref (CNY) Out-of-pocket cost (CNY)
  2006 2010 2006 2010 2006 2010
UEBMIa 4217.77 8089.14 2627.8 (62.30 %)d 5059.74 (62.55 %) 1416.77 (33.59 %) 2638.17 (32.61 %)
URBMIb —— 4013.44* —— 1255.14* (31.27 %) —— 2458.50* (61.26 %)
NCMS 1005.71* 1899.80* 111.79* (11.12 %) 526.26* (27.70 %) 855.36* (85.05 %) 1255.95* (66.11 %)
Uninsured 1099.14* 3362.22* 0* 0* 992.05* (90.26 %)e 2660.23* (79.12 %)
Totalc 2100.68*** 4460.44*** 912.05*** (43.42 %) 2295.79*** (51.47 %) 1089.3*** (51.85 %) 1927.95*** (43.22 %)
Difference       
 UEBMI Reference Reference Reference Reference Reference Reference
 URBMI —— 4075.70 —— 3804.6 —— 179.67
 NCMS 3212.06 6189.34 2516.01 4533.48 561.41 1382.22
 Uninsured 3118.63 3628.70 2627.80 5059.74 424.72 −22.06
Relative ratio       
 UEBMI Reference Reference Reference Reference Reference Reference
 URBMI —— 2.02 —— 4.03 —— 1.07
 NCMS 4.19 4.26 23.51 9.61 1.66 2.10
 Uninsured 3.84 2.41 —— —— 1.43 0.99
  1. aIn the Post Hot Tests, this table only presented the significant level of difference in each two groups’ means if taking UEBMI as a reference; * the mean difference is significant at the 0.05 level
  2. bAs URBMI was launched in 2007, there is no data for this insurance plan in 2006
  3. c***p < 0.001, at least one group had a significantly different mean of total health expenditures, insurance expenditures and out-of-pocket expenses
  4. dThe percentage in brackets demonstrated the proportion of insurance expenditures/ out-of-pocket cost accounted for total healthcare expenditures in each insurance scheme
  5. eThe reason why out-of-pocket did not account for 100 % of total healthcare expenditures for uninsured group was that partially covered by Medical Assistance System
  6. fThe insurance expenditures of UEBMI included both outpatient and inpatient costs in 2006 and 2010; which of URBMI and NCMS contained only inpatient reimbursements in 2006 and both inpatient and outpatient benefits in 2010 as the policy changed in 2009
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