摘要
在医疗保险购买这类个体决策过程中,决策者的风险态度将对决策行为产生影响。建立了医疗保险决策模型,并通过对不同风险规避度的决策者的决策行为分析,揭示了风险态度对医疗保险决策的影响。研究表明,在面临一定的健康风险时,风险规避度越高的决策者,其购买的医疗保险也越多;而需对面临的健康风险进行估计时,对风险规避程度较低的决策者,可能会出现健康风险越高,购买的保险越少的情况。
In decisions for individuals,such as medical insurance purchase,the risk attitudes of decision makers（DMs） generally play roles.In this paper,decision model is established,and the effects of risk attitudes in medical insurance purchase are revealed through DMs with different risk aversions.The results of this paper show that the more risk-averse a DM,the more medical insurance will be purchased.For low risk-averse DMs,the more the exogenous shocks,the less the medical insurance may be purchased.
出处
《系统管理学报》
CSSCI
北大核心
2010年第2期136-139,共4页
Journal of Systems & Management
基金
"十一五"国家科技支撑计划课题资助项目(2006BAI13B03)
关键词
风险规避度
医疗保险
共保
健康风险
risk aversion
healthcare insurance
coinsurance
exogenous shocks
