福建省大额医疗保险出现亏损的经济学分析

The economics analysis of large quantity insurance in Fujian Province

城镇职工商业补充医疗保险作为超基本医疗保险封顶线后的大额补偿医疗保险,近年来,各保险公司经营都不同程度出现亏损,本文从政策因素、道德风险、经营管理等对其出现亏损的原因进行了分析,并从科学进行费率测算、改进经营合作模式、加大道德风险成本、加强专业经营管理等方面对预防亏损提出了相应的对策。

The cities staff trade supplemented the medical insurance after took the ultra basic medical insurance seals the crest line the large quantity to compensate the medical insurance,in recent years,each insurance company man- aged all the varying degree to appear the loss,this article from the policy factor,the moral risk,the management man- agement and so on appears the loss to it the reason to carry on the analysis,and carried on the tariff from the science to survey,the improvement management cooperation pattern,to enlarge the morals venture capital,strengthens aspect and so on specialized management management to prevents the loss to propose the corresponding countermeasure.