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目的 本文介绍并讨论了职工医疗保障制度改革中补充医疗保险保费的测算方法。方法 利用四川省职工补充医疗保险需求模式研究的实际资料讨论了经验频数法和限制性Pareto分布法计算保费时的应用条件和计算过程。结果 给出了补充医疗保险保费测算的方法、过程和应用中的注意事项。结论 通过实际应用表明本文提出的两种计算方法在各自的适用范围内是合理有效的。
Objective This paper introduces and discusses the method of calculating supplemental medical insurance premiums in the reform of the employee medical security system. Methods Based on the practical data of the study on the demand patterns of supplementary medical insurance for workers in Sichuan Province, the application conditions and the calculation process for calculating premiums using the empirical frequency method and the restricted Pareto distribution method were discussed. Results The methods, procedures, and considerations for applying supplemental medical insurance premiums are given. Conclusion Through practical application, it is shown that the two calculation methods proposed in this paper are reasonable and effective within their respective scope of application.