乡村振兴背景下普惠健康保险赋能广西农村医疗保障的路径研究

A Study on the Pathways for Inclusive Health Insurance to Empower Rural Medical Security in Guangxi under the Background of Rural Revitalization

摘要: 作为普惠型健康保险的重要创新，“桂民保”通过填补基本医疗保障空白，有效提升农村居民抗大病风险能力，在巩固脱贫成果和促进健康公平方面成效显著。然而根据调研发现，广西部分县域参保率仍然较低。“桂民保”在农村地区运营过程中存在农村居民认知不足、免赔额设置过高、财政支持力度不足等困境，制约了“桂民保”产品在农村地区的推广和普及。基于文章提出了优化路径：优化面向农村市场普惠健康保险的产品设计、加大财政支持力度提升普惠健康保险的保障水平、加强普惠健康保险在农村地区的宣传教育。研究结论为完善农村多层次医疗保障体系、推进健康中国战略提供实践参考，对其他地区普惠健康保险产品创新提供了借鉴价值。

Abstract: As an important innovation in inclusive health insurance, “Guiminbao” has significantly enhanced rural residents’ capacity to manage major illness risks by addressing gaps in the basic medical security system, playing a vital role in consolidating poverty alleviation outcomes and promoting health equity. However, research indicates that participation rates remain low in certain counties of Guangxi. In its rural implementation, “Guiminbao” faces several challenges, including limited public awareness, high deductibles, and insufficient fiscal support, which hinder its promotion and widespread adoption in rural areas. In response, this paper proposes the following optimization strategies: improving the product design of inclusive health insurance tailored to rural markets, increasing government financial support to enhance coverage levels, and strengthening publicity and education efforts in rural regions. The findings offer practical insights for improving the rural multi-tier medical security system and advancing the Healthy China strategy, while also providing valuable references for the innovation of inclusive health insurance products in other regions.