天津市補(bǔ)充醫(yī)療保險(xiǎn)問(wèn)題研究.pdf

1、天津大學(xué)博士學(xué)位論文天津市補(bǔ)充醫(yī)療保險(xiǎn)問(wèn)題研究姓名：于瑞均申請(qǐng)學(xué)位級(jí)別：博士專(zhuān)業(yè)：工商管理；技術(shù)經(jīng)濟(jì)及管理指導(dǎo)教師：傅利平201111ABSTRACTBoththeBasicMedicalInsurance(BMI)andSupplementaryMedicalInsurance(SⅦ)，essentiallyspeaking，aretherisksharingmechanismtowardsthecertaingroupofpeopl

2、einthediseasecostconcernedAtpresent，theBMIforurbanemployees&residents(URBMI)andtheNewTypeofRuralCooperativeMedicalCareSystem(NCMS)havecovered12billionpopulationsinChinaBMI，includingtheBMIforurbanemployees，theurbanandrura

3、lresidentshasbeeninvolvedmorethan95％populationinTianjinThatistsay；mostofthepeopleherehavethepolicyguaranteeinBMIInviewofthepresentsituation，SupplementaryMedicalInsurance(SlVl／)developmentwillfocusonhowtoguaranteerequirem

4、entabovetheBMIandtheindividualgroupswithheavyburdeninmedicalchargeevenundertheBMITheanalysisofpeople’SmedicalchargeundertheBMIandthesharingsituation；thesystemizationoffactorsoftheinfluence&thedecidingtheindividualrateinm

5、edicalfeewillproducestrongreferencevaluetowardstheevaluationofBMI，SMI’SdirectionandtheinsurancelevelThispaperhascheckedthenecessityofSMIestablishmentandthedevelopmentspacebyrevealingthedifferentgroups’medicalfeeunderdiff

6、erentmedicalmethods，risksharingandinfluencefactorsThispapertakesSMIasresearchobject，afteranalyzingSMIintheprovincesandcitiesofChinaFirstofall，thepaperanalyzeshowtolocalizetheinsurancerangeofSMI，realizingeffectiveinterfac

7、eininsurancedegreebetweenSMIandBMIMeanwhile，SMIrangeandinsurancedegree’Sdesigningshouldinvolvecontrollingreverseincentive，lesseningmoralhazardTheappropriatebalancepointshouldbediSCOVeredbetweentheeffectivecontr01ofmoralh