Optimal control strategy of rural medical insurance system based on elderly people’s satisfaction

Cai Hui

COMPUTER MODELLING & NEW TECHNOLOGIES 2013 17(5C) 189-192

Heze University, Shandong Heze 274015, China

As a key part of the modern social security system, medical insurance system is crucial for human health and medical insurance. Especially in rural areas, medical insurance system is an important way to guarantee the health of elderly people. Therefore, this paper concentrates on the problem of rural medical insurance system design to satisfy elderly people’s requirements. In China, the medical insurance consists of “social medical insurance” and “commercial medical insurance”. Particularly, the basic medical insurance is constructed by “Basic medical insurance for urban workers”, “Basic medical insurance for urban residents”, and “New rural cooperative medical insurance”. Afterwards, we present an optimal control strategy of rural medical insurance system, and the elderly people’s satisfaction is regarded as the restrictive condition. Particularly, the optimal control strategy aims to maximize the expected value using the dividend barrier and the control policy at a specific time point. Then, the optimal control strategy of rural medical insurance system is obtained via maximizing an optimal return function. Finally, performance of the proposed strategy is tested through insurance will investigation by randomly choosing 10 administrative villages in China’s rural areas. Experimental results show that using the proposed optimal control strategy, insurance will investigation of elderly people is effectively promoted.