摘要
基于预期效用理论,对健康保险中的免赔额条款和保单限额条款进行经济学分析,通过对最优免赔额和最优保单限额的寻找,得到在风险转移过程中被保险人期望效用最大化的两个结论。
In this paper, the economic analysis about the deductibles and policy limits of health insurance was presented (based) on the expected utility theory. By locating the optimal deductible and optimal policy limit, we got two conclusions (about) the maximum utility of the insured in the risk transformation.
出处
《系统工程》
CSCD
北大核心
2004年第4期49-51,共3页
Systems Engineering
