变量选择方法在医疗保险赔付评估中的应用

Application of Variable Selection in Estimation of Compensation for Medical Insurance Via Penalized Functions

在广义线性模型假设下,采用Lin的医疗费用模型,运用LASSO和SCAD方法对影响医疗费用的因素进行选择,并对两种方法的有效性进行了对比分析,从而得出影响医疗保险赔付的重要因素,解决了高维变量带来的一系列问题。实例分析中,由于两种方法注重的统计性质不同,选择出的解释变量略微不同,但通过分析发现,两种结果都具有良好的解释性,反映了影响医疗保险赔付的重要信息。

Under the assumption of the general linear model ,variable selection method is applied to study the factors w hich have more significant effects in compensation for medical insurance .First of all , LASSO and SCAD methods are employed to select the important variables ,and a comparison is given to see their effects based on the different methods ,and hence then ,it gives the important effect factors in compensation for medical insurance .Some simulation studies with the analysis of the real data of medical insurance are preformed to assess the proposed model and the methods in this paper .