Research on optimal mixed health insurance contact based on risk sharing

摘要

Public health insurance led by the government is characterized by its compulsory attendance, generality and mutual aid, while commercial health insurance holds professional, competitive and profitable features. These two kinds of health insurance are different in objective, nature and characteristics. This paper, by means of mathematical model and numerical simulation, has proved that mixed health insurance contact can achieve the optimal social welfare based on risk sharing so as to complement their own advantages. At last, this paper has put forward the corresponding advice as to how to decrease the moral hazard in the selection of the ranks of hospital as well as the number of medical service.