作　　者： (许锋）; (王晓军）; (曹桂）;

机构地区： 中国人民大学统计学院,北京100872

出　　处： 《数学的实践与认识》 2017年第16期1-9,共9页

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. For the stable operation of the serious illness insurance fund, and to ensure that the insured individuals enjoy the enough guarantee level, it is essential to formulate scientific and reasonable compensation scheme. This paper summarizes the piecewise modes of China＇s illness insurance practice in the models, analyse the mathematical characteristics of these modes, unify these models into a framework for the study by a limit method, and example and analyse the differences among these modes with the results that well-proportioned interval mode is superior to the other modes, and the increase of interval number can reduce the occurrence of excessive medical treatment.

关 键 词： 大病保险 起付线 封顶线 分段补偿