新型农村合作医疗大病保险政策各方利益主体间的博弈分析

Gaming Analysis on the Stakeholders of Catastrophic Medical Insurance Policy under the New Rural Cooperative Medical System

目的:明确新型农村合作医疗大病保险各方利益主体间的博弈关系,为新型农村合作医疗大病保险政策的平稳有序推进提供理论参考。方法:运用博弈论对政府、商业保险机构、定点医疗机构和大病参合农民之间的博弈关系进行系统分析。结果:政府与商业保险机构之间、政府与定点医疗机构之间属于合作博弈,大病参合农民在博弈中倾向于选择合作策略。定点医疗机构与商业保险机构、大病参合农民之间倾向于非合作博弈。结论:商业保险机构与定点医疗机构应该迅速建立密切合作的战略关系。政府在加强对商业保险机构、定点医疗机构大病参合农民监管约束的同时,应尽快建立有效的激励机制。

Objective： To understand the gambling relations between the stakeholders of catastrophic medical insurance policy under New Rural Cooperative Medical System （NCMS） , and provide theoretical references for the smooth operation of catastrophic medical insurance policy of NCMS. Methods： Analyzing the game relationships among the four sides： the government, business insurance agencies, designated medical institutions and participating farmers suffering from catastrophic diseases through game theory. Results： The government and business insurance agency, and the government and designated medical institution belong to cooperative games. The farmers participated in catastrophic medical insurance tend to choose cooperative strategy. Non-cooperative games exist in business insurance agency, designated medical institution and participating farmers. Conclusion： Strategic relationship of close cooperation should be established between the business insurance agencies and designated medical institutions. The government should strengthen the regulatory constraints between the business insurance agencies and designated medical institutionsi, at the same time, it needs to establish the incentive mechanism soon.