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综合运用保险学、流行病学和系统论等理论和方法,通过对就医人群风险概率和风险损失额分析,研制出农村居民就医经济风险测量方法,建立了一套有关就医经济风险测量指标体系。该方法可用于分析农村居民就医经济风险,并且可以为医疗保险方案提供补偿比和费率计算提供实际数据。运用调查人群的数据进行的拟合,显示该技术具有科学性和可操作性,并据此提出实际操作关键步骤和注意要点。
Based on the theories and methods of insurance, epidemiology and system theory, this paper develops a method to measure the economic risk of medical treatment of rural residents by analyzing the risk probability and risk loss of medical residents, and establishes a set of index system of measurement of medical economic risk. This method can be used to analyze the economic risks of medical treatment for rural residents, and can provide actual data for the compensation ratio and rate calculation for the medical insurance scheme. Fitting data from the surveyed population shows that the technique is scientific and feasible, and the key steps and points for attention are put forward accordingly.