Analysis of the application of commercial insurance mechanism in abnormal vaccination responses in Dazu District of Chongqing City in 2020‒2021

Objective To analyze the implementation of commercial insurance for abnormal reactions from vaccination in Dazu District of Chongqing City.

Methods Suspected 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.

Results From 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<0.05）. The total compensation of commercial supplementary insurance for 46 cases of coincidental events was 148 544.81 yuan， and 86.21% of the compensation cases were paid within 7 days.

Conclusion Commercial insurance is necessary for abnormal reactions to vaccination， and the insurance compensation for abnormal reactions to vaccination should be continuously promoted.