【摘要】 社会医疗保险筹资标准和保障水平是一个非常重要但又经常被研究者忽略的问题。文章利用江苏省铜山县参保农民在2004、2005两个年度的医疗消费资料,以二项分布、泊松分布和负二项分布对损失频率进行拟合,以对数正态、Pareto和Burr分布对损失额度进行拟合,在此基础上估计出住院费用;对门诊费用进行粗估,估算出充分保障水平条件下的筹资标准为100～150元/人.年,现行筹资标准条件下保障水平为20～30%。更多还原

【Abstract】 The financing standards and protection levels of social health insurance is an important issue but is often neglected.It is necessary to make a deep research.Based on the insured’s medical consumption data of new rural cooperative medical scheme(NRCMS) of Tongshan County in Jiangsu province during the years of 2004 and 2005,we used several mathematics distribution methods including logarithm,Pareto and Burrto distribution,to simulate the loss frequency and the loss severity,and found that the NRCMS should finance about 100-150 yuan per person per year in order to protect the insured sufficiently,and under the current financing standard,the protection level of NRCMS is about 20%-30%.更多还原