中文摘要：

选择上海某农村地区，通过多阶段随机抽样方法选取了2镇、6村、144户家庭作为样本，确定了其中7位发生过1万元以上住院费用的住院病人及其家庭为研究对象，分析其寻医行为和就医保障情况。（1）7位住院病人中，有3位放弃进一步的治疗，原因皆为无法负担医疗费用；（2）放弃继续治疗的家庭，自负医疗费用与当年收入的比在40％以上；不放弃继续治疗的家庭，自负医疗费用与当年收入的比在40％以下：（3）7户家庭有4户因为病人的医疗费用支出陷入贫困状态，在经过各方补偿之后，有2户脱离贫困状态，还有2户仍然致贫。（4）仍然致贫的家庭，一户是因为高额的癌症治疗费用导致返贫；另一户是因为车祸事主逃逸自身又是外来人口没有医保。

英文摘要：

We selected 2 towns, 4 villages, 144 families in rural areas of Shanghai as samples through, multistage random sampling meth- ods, 7 families in which someone spent more than V10 000 in hospitalizaiton service last year have been confirmed as research cases. Their service-seeking behavior and medical insurance have been investigated and analyzed in detail. （1）Among 7 patients, three gave up the medication because of the expensive medical expenditure they could not afford. （2）As to those families giving up next medication, the ratio of medical expenditure paid by themselves to their income of current year was higher than 40%, as to those families continuing next medication, the ratio was lower than 40%. （3）Among 7 patients, 4 families stepped into poverty condition. After reimbursement, 2 families stepped out poverty condition, 2 families still in poverty condition. （4）Among 2 families still in poverty condition, the one was not able to afford the expensive expenditure of cancer medication, the other didn＇t get the reimbursement of traffic accident outpatient while she came from other province and had no local medical insurance.