【摘要】 把费率测算分为静态和动态两个步骤,静态费率考虑保险覆盖的影响因素,以不同保障水平为起保点,计算相应费率;动态费率考虑与时间有关的影响因素,包括保险基金管理费、风险储备金、医疗费增长、人均收入增长、需求释放和人群重复就医等多种影响因素。据此可初步形成保障水平、范围各异的多种费率方案。以上关键技术,均经样本人群数据实际模拟、测算。更多还原

【Abstract】 Based on the measurement of economic risk for medical service (ERMS) , the research develops key techniques and steps of contribution rate-making for the catastrophic medical insurance. The steps are divided into two parts, which are static rate and dynamic rate. The static rate is based on the influences for coverage of insurance scheme. The dynamic rate is based on a serious elements related to time. As the result, there formed multiform schemes on rate-making.更多还原