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ObjectiveTo analyze the implementation of commercial insurance for abnormal reactions from vaccination in Dazu District of Chongqing City.MethodsSuspected adverse events following immunization （AEFI） cases， vaccination data and commercial insurance compensation information in Dazu District from 2020 to 2021 were collected and analyzed by the descriptive epidemiological method.ResultsFrom 2020 to 2021， a total of 72 341 people received 328 686 doses of vaccines， including 68 668 people who received vaccines under the National Immunization Program （NIP） and 24 551 people who received non-NIP vaccines. The maximum number of vaccines reached 28 doses per person. Among commercial insurance schemes， the coverage rate of basic insurance in NIP vaccines was 100%， while the coverage rate of commercial supplementary insurance was only 1.61%， and the coverage rate for children below 12 months was only 5.99%. From 2020 to 2021， the reported AEFI incidence through the existing surveillance system was 29.21/10-5， which increased to 43.20/10-5 after commercial insurance reporting was added， and the difference was statistically significant （χ2=8.894， P

目的 了解我国省级普惠式健康险（普惠险）发展现状, 厘清基本医疗保险、普惠险和百万医疗险的区别, 分析普惠险当前存在的问题并对其未来发展提出可行性建议。方法 在31 个省（自治区、直辖市）人民政府网、医 疗保障局、卫生健康委员会、民政厅、人力资源和社会保障厅等政府官网以"普惠险""惠民保""补充医疗保险" 为关键词检索相关政策文件和信息, 同时配合各地的"本地保微信公众号"及各普惠险投保平台, 搜集省级普惠 险的参保信息以及具体的保障内容, 时间截至2021 年10 月15 日。结果 截至2021 年10 月15 日, 31 个省级行政区 中有19 个地区共推出26 款省级普惠险, 保障责任集中于医疗保险目录内住院费用和特殊药品费用。普惠险的区 域性、普惠性品以及特殊药品的保障是其与百万医疗险的主要区别。当前普惠险发展的问题体现在"两高一低一 同", 即免赔额高而赔付限额虚高、可持续性低以及产品同质化严重。结论 建议医疗保障部门对普惠险进行背书 和指导, 合理设置省级普惠险的赔付标准和保障内容, 提高普惠险产品的可持续性和抗风险能力;商业保险公司 应加速迭代产品, 适应市场需求, 脱离同质化. [ABSTRACT FROM AUTHOR]

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Copyright of Economic Science / Jingji Kexue is the property of Economic Science Editorial Office and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)