The Research On The Expenses Of New-type Rural Cooperative Medical System

New-type rural cooperative medical system is a system of farmers' medical mutual aid, which is organized,conducted and assisted by government, participated by farmers in voluntary,financed by individual collectivity, government, and making overall plans mainly for serious disease. It aimed at to reduce the farmers economic burden of disease and ease the poor statement made by disease. New rural cooperative medical system is at primary stage and all of its aspects are immature. So,a lot of theory about new rural cooperative medical system is still in the exploration stage, especially in the actuarial model of the medical expenses, there is no article with deep research and analysis about it. Therefore, the present study will attempt to make primary exploration about the distribution model of the total medical expenses.In present study, firstly, the researcher introduces the background and development potential new-type rural cooperative medical system. Secondly, the researcher makes exploration about five distribution of the medical expenses by adopting the data of expenses of being in hospital and compensation costs of farmers who take part in new-type rural cooperative medical system in certain town of Putian city in Fujian province from September, 2005 to February, 2008. The result finds that the total expense of medical care by calculating in logarithm shows bimodal distribution phenomenon when the paying- line is stetted as zero and in higher compensation ratio in regional and local level. The present article will explore the bimodal distribution phenomenon by means of mixed- logarithm Gamma distribution. The researcher gain positive effect by using mixed- logarithm Gamma distribution function that based the data of the later half of 2006 to fit cumulative distribution function of actual data. At the same time, there is positive effect by using mixed-logarithm Gamma distribution density function and distribution function of constructed total expense of medical care to fit histogram of logarithm frequency and cumulative distribution function of total expense of medical care in early half of 2007 respectively. All results show there is positive stability on distribution of Each hospitalization cost, under the condition of the relative stabile number of people who take part in new-type rural cooperative medical system, the agreement of compensative scheme and no breaking infective diseases, which offer scientific evidence for designing compensative scheme and predicting the risk of expense. Besides, the present study made the detailed description of the details of medical care's construction, which lay the foundation for studying the factor of influence expense. At the same time, from the both aspects of income and expenditure, the present study anal size the statement of operation on expense of medical care, which offer evidence for adjusting the level of fund-raising.