The Reinsurance Medicare

The high-speed increase of medical fee has become a common phenomenon in each country in nearly twenty years. How to control the increase of medical fee has become a world-wide problem and the relevant studies for medical fee have also become a hotspot. Since the reinsurance company pays off the part of fee which exceeds the self-remain amount and the hospitalization insurance company pays the exceeding part when medical fee goes beyond the lowest self-payment amount, we may consider a hospitalization insurance company as an insurance unit and an individual accepting medical care as the insurance company in the process of insurance.This thesis applies the research method for insurance to study the lowest self-payment amount of hospitalization insurance and set up a lowest self-payment amount model with a reference to the optimal reinsurance model. Since the model is about a non-linear system of equations with parameters as insurance fee, loss amount and the self-payment amount, the thesis advances the numerical solution with a base on spline function and the Nelder-Mead simplex algorithm model. The numerical solution is highly accurate. The numerical simulation testing shows that a research on medical care with a method for reinsurance not only helps us to obtain the lowest self-payment amount of reasonable medical care but also is a favor for people to explain the relationship among the insurance fee, loss amount and self-payment amount.As for innovation of the thesis, there are several points that a method for insurance study is used to do research on medical care and variance principle is applied to calculate the self-payment amount when the amount of claim for compensation counterclaim is lognormal distribution. Secondly, a new and high-efficiency numerical solution is advanced with a base on spline function and the Nelder-Mead simplex algorithm model.