本文關(guān)鍵詞： “唐提式”醫(yī)療保險(xiǎn) 商業(yè)保險(xiǎn) 逆向選擇 認(rèn)知及行為偏差　出處：《經(jīng)濟(jì)與管理評(píng)論》2017年01期 　論文類型：期刊論文

【摘要】：由于逆向選擇及心理認(rèn)知偏差等原因,如何提高年輕健康人群的投保率是困擾醫(yī)療保險(xiǎn)市場(chǎng)的一大難題。"唐提式"醫(yī)療保險(xiǎn)借用源于十七世紀(jì)歐洲的"唐提"年金理念,承諾如果未來(lái)一段時(shí)間內(nèi)的醫(yī)療費(fèi)用低于某一水平,被保險(xiǎn)人可獲得一定的現(xiàn)金紅利。消費(fèi)者效用模型分析顯示,導(dǎo)致醫(yī)療保險(xiǎn)覆蓋水平不足的原因是年輕及健康人群的實(shí)際或主觀患病風(fēng)險(xiǎn)概率小于保險(xiǎn)公司的定價(jià)風(fēng)險(xiǎn)發(fā)生率,而"唐提式"醫(yī)療保險(xiǎn)通過(guò)提供現(xiàn)金紅利的方式,提高這一人群的保險(xiǎn)投資回報(bào)率,從而釋放其保障需求,有效擴(kuò)大健康保險(xiǎn)在這一人群中的覆蓋面。
[Abstract]:Due to adverse selection and psychological cognitive bias, how to improve the insurance rate of young and healthy people is a big problem in the medical insurance market. "Tang ti" medical insurance borrowed from the "Tang ti" annuity concept in Europe in 17th century. Promise that if medical expenses fall below a certain level in the future, the insured will receive a certain cash dividend. The reason for the lack of coverage of medical insurance is that the actual or subjective risk probability of young and healthy people is lower than the incidence of pricing risk of the insurance company, while the "Donti" medical insurance provides cash dividends. The rate of return on insurance investment of this population is improved to release its security demand and to effectively expand the coverage of health insurance in this population.
【作者單位】： 美國(guó)斯坦福大學(xué)東亞研究中心;中國(guó)農(nóng)業(yè)大學(xué)生物學(xué)院;
【分類號(hào)】：F842.684;R197.1
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本文編號(hào)：1523014