医疗保险新理念:“唐提式”保险

发布时间：2018-02-21 22:25

  本文关键词： “唐提式”医疗保险 商业保险 逆向选择 认知及行为偏差　出处：《经济与管理评论》2017年01期 　论文类型：期刊论文

【摘要】：由于逆向选择及心理认知偏差等原因,如何提高年轻健康人群的投保率是困扰医疗保险市场的一大难题。"唐提式"医疗保险借用源于十七世纪欧洲的"唐提"年金理念,承诺如果未来一段时间内的医疗费用低于某一水平,被保险人可获得一定的现金红利。消费者效用模型分析显示,导致医疗保险覆盖水平不足的原因是年轻及健康人群的实际或主观患病风险概率小于保险公司的定价风险发生率,而"唐提式"医疗保险通过提供现金红利的方式,提高这一人群的保险投资回报率,从而释放其保障需求,有效扩大健康保险在这一人群中的覆盖面。
[Abstract]:Due to adverse selection and psychological cognitive bias, how to improve the insurance rate of young and healthy people is a big problem in the medical insurance market. "Tang ti" medical insurance borrowed from the "Tang ti" annuity concept in Europe in 17th century. Promise that if medical expenses fall below a certain level in the future, the insured will receive a certain cash dividend. The reason for the lack of coverage of medical insurance is that the actual or subjective risk probability of young and healthy people is lower than the incidence of pricing risk of the insurance company, while the "Donti" medical insurance provides cash dividends. The rate of return on insurance investment of this population is improved to release its security demand and to effectively expand the coverage of health insurance in this population.
【作者单位】： 美国斯坦福大学东亚研究中心;中国农业大学生物学院;
【分类号】：F842.684;R197.1
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