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Catastrophic Health Expenditure, Multi-level Medical System and Health Care Utilization
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TitleCatastrophic Health Expenditure, Multi-level Medical System and Health Care Utilization  
AuthorZhu Minglai, Yu Xinliang, Wang Meijiao and Xiong Xianjun  
OrganizationNankai University;China Health Insurance Research Association;;;xiongxianjun@ 
Key WordsCatastrophic Health Expenditure; Multi-level Medical System; Health Care Utilization; Critical Illness Insurance 
AbstractTo overcome previous studies’ subjective defects, this paper built a threshold panel model based on health care utilization’s different sensitivities to the expected price and found the boundary standard of catastrophic health expenditure in China should be 42.90%; Then this paper built a dynamic system model to simulate the compensation effects of six types of critical illness insurance, and results show that critical illness insurance can effectively reduce the household medical burden and headcount of catastrophic health expenditure, while one type of household compensation has a unique optimization capabilities in steady demand for medical services and basic medical system fund. 
Serial NumberWP1052 
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