What is the reason for the increase in medical insurance costs?

With the deepening of medical insurance, medical insurance costs have become the focus of all subjects of medical insurance-patients, hospitals and medical insurance managers. In recent years, the cost of medical insurance has also increased significantly. In order to ensure that people can enjoy medical insurance without overburdening the national financial burden, controlling the excessive growth of medical insurance costs is one of the most critical factors. Medical insurance costs ... if you want to know more about the reasons for the increase in medical insurance costs, then take a look with me.

First, the reasons for the increase in medical insurance costs

1, reasonable factor

(1) Population aging

Population aging refers to the process that the proportion of the elderly population to the total population is rising. The third national health service survey shows that with the aging of population and the acceleration of urbanization, the prevalence rate of urban and rural residents in China continues to rise and the disease burden continues to increase. Excluding seasonal effects, it is estimated that the number of cases in China increased by 730 million compared with 1993 in 2003. The aging of the population mainly leads to an increase in the prevalence of chronic diseases, multiple diseases, serious drug abuse and adverse drug reactions. Moreover, the health status of the elderly is worse than that of the general population, accompanied by many diseases, long course of disease, and greater possibility of disability and death, so the demand for medical and health services is higher, leading to an increase in medical expenses.

(2) Changes of disease spectrum

With the development of society, the change of people's lifestyle and behavior, the aggravation of environmental pollution and the aging of population, the spectrum of diseases has also changed, from infectious diseases to chronic non-infectious diseases such as cardiovascular and cerebrovascular diseases, malignant tumors, respiratory diseases and endocrine diseases. These diseases often have a long treatment cycle, many complications and high treatment costs, which leads to an increase in medical expenses.

(3) The wide application of high-tech medicine.

With the development of science and technology, large-scale medical equipment such as color Doppler ultrasound, tomography (CT), magnetic resonance imaging (MRI) and digital photography, advanced diagnosis and treatment technologies such as endoscope technology, interventional therapy technology, radiofrequency ablation technology, hemodialysis, joint replacement and organ transplantation, and high-value medical consumables have been widely used in many large hospitals in China. The application of these advanced diagnostic equipment and medical materials has played a positive role in alleviating patients' pain, shortening treatment time and improving quality of life. However, due to the high technology content, the charge price is often high, which promotes the excessive growth of medical expenses.

(4) Changes in health awareness and medical consumption awareness.

Since the reform and opening up, the problem of food and clothing for most people in China has been solved, and people's health awareness has reached a new height, and they are willing to invest more money to maintain their health. High demand correspondingly promotes the improvement of utilization rate, which leads to the increase of medical expenses. In addition, due to the improvement of living standards, people are willing to invest more money to maintain health, and the drugs needed for examination and use are also transitioning to a high level, which undoubtedly promotes the growth of medical expenses.

(5) Improve the treatment of medical insurance participants.

With the gradual deepening of medical insurance reform, the treatment of insured persons has also been gradually improved, mainly manifested in the increase in the proportion of outpatient and inpatient reimbursement, the reduction of personal burden, and the inclusion of more drugs and medical treatment items in the scope of medical insurance reimbursement, which will promote the decline of self-discipline of medical insurance patients, tend to obtain more medical services, and invisibly increase the overall medical insurance expenditure.

2. Irrational factors

(1) The medical service compensation mechanism is not perfect.

The compensation policy of medical institutions in China was established and formed under the planned economy system. After 1980, the level of financial subsidies gradually declined. Hospital compensation mainly comes from government financial subsidies, medical service charges and drug bonus income, of which government financial subsidies mainly come from. In order to solve the problem of insufficient investment, the government tries to improve the efficiency and service quality of medical and health institutions through market-oriented reforms, so that medical institutions can generate income and "support doctors with medicine". Under the policy of independent drug pricing, hospitals have increased drug sales, and the shortage of state investment is made up by the bonus income of drugs. However, the independent pricing of drugs and the increase of drug sales will inevitably lead to the false high pricing of drugs and the emergence of induced demand, which will also promote the rise of medical expenses.