我国大病保险区间分段模式研究

发布时间：2018-04-17 23:27

  本文选题：大病保险 + 起付线　； 参考：《数学的实践与认识》2017年16期

【摘要】：为使大病保险基金稳定运行、确保参保个体享受到足够的保障水平,制定出科学合理的补偿方案是至关重要的.对我国大病保险实务中的区间分段模式进行了总结,并对这5种模式的数学特征进行了探讨,通过极限的方法将这些模式统一在同一个框架之下,举例并对比分析了这些模式的差异,结果显示,区间等分模式优于其它模式,增加区间分段数量可减少过度医疗的发生.
[Abstract]:In order to ensure the stable operation of the insurance fund for serious illness and to ensure that the insured individual enjoys sufficient security level, it is very important to formulate a scientific and reasonable compensation scheme.This paper summarizes the interval-segment models in the practice of serious illness insurance in China, and probes into the mathematical characteristics of the five models, and unifies these models under the same frame by the method of limit.The results show that the interval equipartition model is superior to other models, and increasing the number of interval segments can reduce the occurrence of excessive medical treatment.
【作者单位】： 中国人民大学统计学院;中国人民大学社会与人口学院;
【基金】：国家社会科学基金重大项目(13&ZD164) 国家自然科学基金(71173230)
【分类号】：F842.684
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本文编号：1765790