Analysis of Multi-body Interest Interaction and Strategy Selection of Elderly People's Medical Security Based on the Evolutionary Game Model
- VernacularTitle:基于演化博弈模型的老年人医保多主体利益交互关系及策略选择分析
- Author:
Xiaomeng TAO
1
;
Yanbing ZENG
Author Information
1. 首都医科大学公共卫生学院 北京 100069
- Keywords:
evolutionary game model;
older people;
medical insurance;
interest interaction;
strategy selection
- From:
Chinese Hospital Management
2024;44(11):30-35
- CountryChina
- Language:Chinese
-
Abstract:
Objective To clarify the interaction among the interests and strategic choices of multiple subjects of medical insurance for the older people in China,and to provide a decision-making basis for the improvement of medical insurance policy for the older people.Methods An evolutionary game model was constructed based on evolutionary game theory and its steady state was simulated using Matlab R2021b software for the health insurer,the health care provider and the elderly.Results There is a conflict of interest between health insurance providers,healthcare providers and older people when all three parties consider maximising their own utility.In order to reach an evolutionary equilibrium,the strategic choice of the health insurance provider is to take"cost-cutting"behaviour to control the expenditure of the health insurance fund;the strategic choice of the older people is to increase the use of medical services to meet the demand for medical services;and the strategic choice of the medical service provider is related to the quantitative relationship between the reimbursement ratio of the health insurance and the cost ratio of medical services.When the reimbursement rate is 0.95,the probability that the provider will choose rational behaviour to control health care expenditure is the highest.Conclusion Healthcare providers with higher reimbursement rates have a higher probability of choosing rational behaviour.At the same time,the medical insurance reimbursement ratio cannot be raised blindly.It is recommended that the level of health insurance benefits be reasonably adjusted,the construction of a differentiation of the reimbursement ratio of medical insurance should be improved,and the measures for the management of medical behaviors should be enhanced,so as to effectively meet the health needs of the elderly population while at the same time guaranteeing medical safety.
