全 民 健 康 保 險 年 報
National Health Insurance in Taiwan
2013-2014
ANNUAL REPORT
全民健保的核心價值在於透過社會互
助，以「社會保險」的形式，來分擔保險
對象罹病時的財務風險。重大傷病人口占
全體保險對象人數的
3.86%
，
醫療費用卻
高達健保總醫療支出的
27.13%
。
其中，癌
症、洗腎及血友病等重大傷病之平均醫療
費用是一般人的
5.5
倍到
127.7
倍不等，
顯示健保充分發揮了社會保險互助的功能，
使重大傷病患者不致因病而貧（表
15
）。
充分發揮 互助功能
Harnessing the
Power of Social Insurance
The core value underpinning Taiwan’s NHI system is
having all of society share the financial burden of those who
get sick through a social insurance mechanism. Patients with
catastrophic illnesses account for 3.86% of those enrolled in
the systembut 27.13%of all NHI spending. The amount spend
on patients with some of those illnesses, such as those with
cancer or hemophilia or who regularly undergo renal dialysis,
is 5.5 times to 127.7 times the amount spent on the average
individual, an example of how the system’s social insurance
concept is fully harnessed. Because of that, patients with
catastrophic illnesses are not driven into poverty by medical
bills. (Table 15)