大病保險補償方案對受益水平的影響分析——以菏澤市鄆城縣為例.pdf

1、分類號：分類號：F840.684密級：不保密密級：不保密UDC：368學校代碼：學校代碼：11065碩士專業(yè)學位論文大病保險補償方案對受益水平的影響分析大病保險補償方案對受益水平的影響分析以菏澤市鄆城縣為例李銳以菏澤市鄆城縣為例李銳指導教師劉喜華教授學位類別保險碩士專業(yè)領域風險管理與保險答辯日期2015年6月7日AbstractIn2012toimprovethepeople`shealthenvironmenttobettersolv

2、etheproblemofdifficultyhighcostofthepeopletoseethedoctsixministriesoftheCentralGovernmentofChinaissuedtheguidancefthewkoftheregiontocarryoutmajillnessmedicalinsurance.2014tofurtherimprovetheurbanruralmedicalsecuritysyste

3、mtoalleviatethefinancialburdenofhealthcarecostsinthelastextenttoincreasethelevelofprotectionfpatientsofmajdiseasesShongprovinceissuedthe“ResidentsinShongprovincemajillnessmedicalinsuranceplan”.Theevolutionofurbanruralres

4、idents’majillnessmedicalinsurancepolicyinHezeCityhasgonethroughthenewruralcooperativemedicalinsurancefcriticalillnessurbanruralresidents’seriousillnessinsuranceShongprovinceresidents’majillnessmedicalinsuranceinthreestag

5、es.differentmajillnessinsurancecompensationschemewilldirectlyaffecttheinsuredperson’svitalinterests.Accdingtotheresearchonthethreeaspectsofthethresholdsreimbursementratiohighestpaylimitation8kindsofmajillnessinsurancecom

6、pensationschemeisdesigned.BasedonthedataofthemedicalexpensesofYunchengCountyaseriesofresultsarecalculatedoutsuchasthenumberofbeneficiaryillnessinsurancefund’spaymentsthetotalpaymentofthetotalfundsharepercapitahealthcarec

7、ostsultimatelypaysindifferentcompensationschemes.Theresultsshowthatifregardthelastyear’sannualpercapitaincomeoffarmersasthethresholdsthenumberofbeneficiarieswillincreasewithoutundulyincreasingthetotalpaymentoftheillnessf

8、und.Fromthefund’stotalpaymentspointofviewwiththeincreaseofmedicalcostthereductionofthereimbursementratiotheinsuredpersonwillreceiveagreaterdegreeofprotection.themaximumpaymentdoesnotaffecttheinsuredperson’ssecuritylevelt

9、hefundpressure.Withthelowerthresholdstardtheincreaseofmedicalcostthereductionofthereimbursementschemecanreducethepercapitahealthcarecostsultimatelypaystotheminimumgivetotheinsuredpersonthegreatestdegreeofprotection.Fromt

10、heanalysisofthepercapitamedicalexpenseresidents’incomelevelthelevelofprotectionofeightkindsofcompensationschemeofhighmedicalcostsofresidentstillneedtobeimproved.Keywds:majillnessmedicalinsurancecompensationschemebenefitl