摘要
随着大病保险的全面实施以及“健康中国”战略的提出,社会医疗保险与商业医疗保险的融合与互补进一步加深,新颖的补充性商业医疗保险产品也在逐渐涌现,如何实现商保与社保定价方法的相通以及如何为新产品进行合理定价具有十分重要的意义。鉴于保险与期权的相似性,本文基于Wang transform将期权定价方法引入医疗保险的精算定价中,构建出相应的定价模型,随后利用天津市职工医疗保险的相关数据进行了实证研究,验证了该模型的有效性。本文所提出的方法对传统精算定价方法进行了改进与补充,进一步丰富了医疗保险定价方法的研究。
With the comprehensive implementation of critical illness insurance and the introduction of the "Healthy China" strategy,the integration and complementation of social medical insurance and commercial medical insurance are further deepened,and novel supplementary commercial medical insurance products are gradually emerging.How to realize the interlinkage of methods to price commercial and social insurance and how to reasonably price new products are of great significance.In view of the similarity between insurance and options,this paper introduces the option pricing method into the actuarial pricing of medical insurance based on Wang transform,and constructs the corresponding pricing model.Subsequently,an empirical study is carried out using the data of Tianjin workers’ medical insurance to verify the validity of the model.The method proposed in this paper is an improvement and supplement to the traditional actuarial pricing methods and further enriches the research of medical insurance pricing methods.
出处
《保险职业学院学报》
2022年第2期39-45,共7页
Journal of Insurance Professional College
