关于终末期糖尿病肾病的医疗保险研究

目的 探索终末期肾病的保险精算方法，为终末期肾病以及其他重大疾病的保险研究方法提供参考和借鉴。为完善我国终末期肾病的医疗保障提供理论依据。方法 拟和糖尿病病人终末期肾病发病概率模型、生存概率模型，采用寿险精算的思想 , 考虑长期保险过程中利率因素的影响，建立终末期糖尿病肾病的保险方案。结果 糖尿病患者终末期肾病的发病率随年龄增加而上升。保费与投保时年龄有关。对于终身长期疾病保险，利率的变化对保费的影响较大。结论 将寿险精算的方法应用到糖尿病终末期肾病保险中具有可行性，随着糖尿病的发病率迅速上升，终末期肾病造成的经济负担需要健全和完善的社会医疗保障体系。

A Study on Medical Insurance for End Stage Diabetic Nephropathy

Objective To explore application the life insurance actuarial of ithe life insurance actuarial of the kidney disease to provide reference for end stage renal disease and critical illness insurance. Methods Fitting models estimate rates of onset of ESRD from diabetes and post-onset rates of mortality depending on age and dialysis period of ESRD. Using life insurance actuarial to study the pure insurance premium and the balanced pure insurance premium, which was based on method of probability and mathematical statistics. Results The insurance premium showed a large change along with age and present sensitivity when the rate of interest was changed. Conclusion The incidence and prevalence of diabetes increase rapidly, and the economic burden of end stage renal disease needed the improvement social medical security system.