Research On Actuarial Model And Demonstration Of Mutual Medical Insurance Towards Workers

This article has researched on the actuarial model and demonstration of mutual medical insurance towards workers. The mutual medical insurance towards workers is the complementarity of the national basic medical insurance and the important part in our country's medical guarantee system, and it has been in the phase of test run at present. Therefore this research can offer some decision-making reference for labor union when they constitute more scientific, standard and rational mutual medical insurance. So the labor union can try for more benefit for low income workers and make our country's medical guarantee system more consummate.Firstly, this article has summarized the meaning and development of the mutual medical insurance towards workers, then has compared its characteristics with which social and commercial medical insurance have, and also has analyzed developing need during the period of medical reform. Secondly, this article makes conspectus to the actuarial method in medical insurance both at home and abroad, then makes analyze to the limitation of these methods. Thirdly, the article has raised two kinds of mutual medical insurance actuarial models which are based upon loss distributing, namely the illness medical insurance actuarial model and the hospital medical insurance actuarial model, and separately presents the basic conceptions, principles and according of the models. Finally, this article has used two models to make demonstration on the mutual medical insurance towards workers in Jiangxi province, and separately makes analyze and evaluation to their mutual medical insurance and raises some proposal to them, then uses the hospital medical insurance actuarial model to explore new kinds of insurance for Jiangxi province.