医疗保险平准保费计算方法研究  

The Study on Calculation Methods of Level Premium Rate in Medical Insurance

作　　者：陈滔[1] 

机构地区：[1]西南财经大学保险学院,610074

出　　处：《中国卫生统计》2003年第5期258-262,共5页Chinese Journal of Health Statistics

基　　金：国家自然科学基金课题(项目号 70 2 0 30 1 0 )资助

摘　　要：目的　本文提出了医疗保险平准保费的计算方法。方法　利用实例介绍了医疗保险平准保费的计算过程以及其中涉及的精算假定、年金现值和年均净保费计算等有关问题。结果　给出了长期和终身住院津贴保险平准保费的计算方法和长期住院费用保险平准保费的计算思路。结论　平准保费计算方法是开发长期和终身医疗保险必备的精算技术 。Objective The calculation method of level premium rate in medical insurance is provided in this paper.Methods The actuarial assumption, cash value of annuity and the annual net level premium and other factors which involved with calculation procedure of level premium rate in medical insurance are discussed using actual data.Results The procedure and method of calculating level premium rate in whole life hospital daily allowance insurance and hospital expense insurance are provided.Conclusion The calculation methods of health level premium rate is fundamental actuarial work in developing long term or life long medical insurance products and worth to be investigate.

关 键 词：医疗保险 平准保费 计算方法 研究 精算技术 

分 类 号：F840.684[经济管理—保险]