摘要
医疗费用与医疗保险损失水平是商业医疗保险经营和社会医疗计划管理的基础。本文利用权威部门公布的信息、检索专题研究的文献和分析专题调查数据三类方法系统地研究了沪蓉两地医疗费用与医疗保险损失的真实水平,发现上海的医疗费用和医疗保险损失水平显著高于成都,约为后者的2倍。在分析造成沪蓉两地医疗费用与医疗保险损失水平差异可能原因的基础上讨论了上述发现对健康保险精算实践、商业医疗保险产品及社会医疗保险计划设计和管理上的启示与指导价值。
The levels of medical expenditure and medical insurance losses are the basis of commercial medical insurance operation and social medical insurance management. In this paper, we studied the level of medical expenditure and medical insurance losses in Shanghai and Chengdu by researching on public information and the literature and analysis reports published by authoritative sources. We found that Shanghai＇s medical expenditure and medical insurance losses were significantly higher than Chengdu＇s,almost double the latter＇s. With an elaboration on possible reasons for the differences ,we hope this paper would offer some inspiration and guidance for the health insurance actuarial practice, design of commercial medical insurance products and planning and management of social medical insurance program.
出处
《保险研究》
北大核心
2010年第11期49-54,共6页
Insurance Studies
基金
西南财经大学211工程三期建设项目资助
关键词
医疗费用
医疗保险损失
成都
上海
medical expenditure
medical insurance losses
Chengdu
Shanghai
