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为了改善信息不对称对保险市场交易效率的影响,分投保人为两种和两种以上风险类型建立了带免赔期的保险契约模型.指出可以用免赔期甄别投保人的风险类型.带免赔期的保险合同是指投保人在签约初的一定时长内,如果投保人发生风险.则保险公司不予以赔偿;如果顺利渡过该时长,则一直到保险期末,保险公司通过给付事后补偿金的方式提供一个较高效用的保险合同.投保人的风险越高越害怕免赔期,因此所建模型满足斯彭斯-莫里斯分离条件.证明指出最优时带免赔期的保险契约不比传统部分保险契约差,并给出了前者是后者严格帕累托改进的充分条件.以一个算例说明存在最优时带免赔期的保险契约是传统部分保险契约和带低赔期保险契约严格帕累托改进情形.
In order to improve the impact of information asymmetry on transaction efficiency in insurance market, policyholders set up indemnity-indemnity insurance contract model for two kinds and two or more types of risk, and pointed out that the type of risk can be distinguished by indemnity period. The insurance contract in the claiming period refers to the insured person signing the contract for a certain period of time, and if the insured person is at risk, the insurer will not make any compensation. If the duration is successfully passed, the insurer will pay the after-service compensation The insurance policy is to provide a more efficient insurance contract.The higher the policyholder’s risk is, the more afraid the default period is, so the proposed model satisfies Spence-Morris separation condition. The traditional part of the insurance contract is poor, and the sufficient condition that the former is strict Pareto improvement of the latter is given.An example shows that the existence of the optimal time-lapse insurance claim is the traditional part of the insurance contract and with low-claim insurance Contract strict Pareto improvement.