| 健康保险免赔额条款与保单限额条款的经济学分析 |
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| 引用本文： | 陈迪红,杨湘豫.健康保险免赔额条款与保单限额条款的经济学分析[J].系统工程,2004,22(4):49-51. |
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| 作者姓名： | 陈迪红 杨湘豫 |
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| 作者单位： | 1. 湖南大学,金融学院,湖南,长沙,410079
2. 湖南大学,数学与计量经济学院,湖南,长沙,410079 |
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| 摘 要： | 基于预期效用理论，对健康保险中的免赔额条款和保单限额务款进行经济学分析，通过对最优免赔额和最优保单限额的寻找，得到在风险转移过程中被保险人期望效用最大化的两个结论。
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| 关 键 词： | 健康保险 免赔额 保单限额 经济学分析 预期效用理论 概率分布函数 |
| 文章编号： | 1001-4098(2004)04-0049-03 |
The Economic Analysis about the Deductibles and Policy Limits of Health Insurance |
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| CHEN Di-hong,YANG Xiang-yu.The Economic Analysis about the Deductibles and Policy Limits of Health Insurance[J].Systems Engineering,2004,22(4):49-51. |
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| Authors: | CHEN Di-hong YANG Xiang-yu |
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| Institution: | CHEN Di-hong~1,YANG Xiang-yu~2 |
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| Abstract: | In this paper, the economic analysis about the deductibles and policy limits of health insurance was presented (based) on the expected utility theory. By locating the optimal deductible and optimal policy limit, we got two conclusions (about) the maximum utility of the insured in the risk transformation. |
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| Keywords: | Healthe Insurance Deductible Policy Limit Utility Theory |
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