Development and application of inclusive commercial medical insurance development Index

Corresponding author: Chen Wen, wenchen@fudan.edu.cn

DOI: 10.12201/bmr.202206.00012

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  Abstract: Objective: To develop a development index of inclusive commercial medical insurance (ICMI) in China, and to evaluate the development status of different insurance plans. Methods: 113 inclusive commercial insurances in China were included to collect their policy and related data by comprehensively adopting literature review, expert consultation and descriptive analysis to establish the development index and examine credibility and validity. Results: According to the insurance theory and the theoretical framework of Universal Health Coverage proposed by the World Health Organization, this study constructed the index system covering two major dimensions of the operation capacity and risk protection level of ICMI plans, which were further subdivided into contribution adaptability, risk-pooling level and sustainable development, insurance breadth, width and depth as first-level indicators and 14 following second-level indicators. The reliability and validity had been proven to be acceptable. In the light of the Human Development Index, operation capacity index, risk protection index and comprehensive development index of inclusive commercial insurance were constructed and applied to the evaluation of 113 plans. Conclusion: The development index is suitable for the comprehensive evaluation and comparison of IMCI, and the evaluation results can provide guidance for the development of ICMI in different development status.

  Key words: inclusive commercial medical insurance; development index; evaluation

  Submit time: 16 June 2022

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
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  1	2022-02-15	10.12201/bmr.202206.00012V1	Download

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