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The cost of medical services to patients for diagnosis, treatment, epidemic prevention, delivery, family planning services, as well as to provide the required medicines, medical materials and appliances, ambulance, hospital lodging and boarding business costs associated with these services . Paid to compensate for the cost, risk-averse, you need to participate in the health insurance plan, which would produce a loss of health insurance. Social health insurance the insured or commercial health insurance, the insured medical services, compensation for part or all of the medical expenses, this part of the compensation for medical expenses called the loss of health insurance. The current issue of health care costs has become a worldwide problem, and has become the focus of domestic scholars. Regional differences in pricing, and the growing trend of medical costs in terms of regional differences in medical expenses and loss of health insurance, and to explore the medical insurance, however very few people to get involved. Therefore the use of actuarial techniques seeking the true level of the different levels of economic development regions in Sichuan Province, and different annual medical costs and the loss of health insurance, and medical insurance premium rate levels to explore various regions and different years should have a very practical sense. The research results are able to provide a more rational basis for social health insurance fund mobilization in Sichuan Province and the commercial health insurance premium collection, and contribute to economic development in Sichuan Province of Medicare the fairness exploration and control of health care costs. In this paper, the information released by authorities, special reports and literature, as well as self-organized thematic research sample data statistical analysis of three types of channel data system to study the level of medical expenses and loss of health insurance in parts of Sichuan Province, the main research content and The conclusions were as follows: the first part of the chapter describes the research background of this study, leads to the study and generalize the concept of the cost of medical services as well as medical insurance losses on the research objectives, methods, and significance, and summarize the contents and results of previous studies. The second part of the data using three types of channels to explore the three residents of the average annual level of out-patient medical expenses. The authoritative website information Sichuan Province, the outpatients times are for medical expenses 112.91 yuan, Chengdu 134.68 yuan, 93.88 yuan, Mianyang, Neijiang 117.52 yuan, only lower than the average of Sichuan Province Mianyang City. Survey of our own organization, Sichuan residents times average outpatient costs 618.68 yuan, a median of $ 100, including Chengdu residents times average outpatient costs 549.75 yuan, a median of $ 100, Mianyang Municipal times are outpatient expenses is 341.31 yuan, 150 yuan median Neijiang Municipal times are outpatient costs 993.4 yuan median of $ 100. Median test draw three outpatient costs, there was no significant difference. Part III, insured patients for both urban and rural residents, urban workers insured patients, three hospital patients as well as commercial medical insurance patients medical expenses and loss of health insurance level data to explore the use of three types of channels. Each sample data in accordance with the hospital level, age and gender risk subgroup analysis, non-parametric tests and each risk group. Studies have shown that the male medical expenses and loss of health insurance significantly larger than females, and with the increase of age, social security insured patients, and three hospital patients in medical expenses and medical insurance losses are gradually increased, while the commercial medical insurance, patient care gradually decline in insured losses. The fourth part, the analysis of the level of medical expenses and loss of health insurance. The first part of the study outpatient medical costs, the cost of hospitalization and medical insurance loss level estimates outpatient service, urban and rural residents, medical insurance, medical insurance for urban residents and the business community health insurance premiums. The results showed that the addition to the actual required high level of funding than urban workers' medical insurance plan, the financing of other social security plans are low, the pressure of the pool fund is too large, it is recommended that appropriate to increase the funding criteria; commercial group medical insurance, to develop competitive premium levels but also profitable for the company, must fully understand the various parameters of the groups, to understand the past paid and the true level, and to develop effective adjustment factor based on the rate of change of the past claims. Finally, the results of this study some conclusions and recommendations. Main contribution of this paper: review of the previous literature, I found that for a minimal level of outpatient medical expenses, Sichuan Province is gradually pilot outpatient service program, an accurate measure of the level of outpatient costs, and patient co-ordination Fund levels of compensation estimated outpatient co-ordinate the fund-raising as well as to develop a more comprehensive safeguards has significant; systematic study in the use of three types of channel data Sichuan Province level of medical expenses and loss of health insurance, to further clarify the costs of health care, as well as clear the growth rate of health care costs; 3. use of research level of medical expenses and loss of health insurance simple estimates the premiums of the insurance program, compared with the current Medicare funding levels, improve insights on the current financing plan. The inadequacies of this article: This paper selects three medical costs and loss of medical insurance level of Sichuan Province, Sichuan Province, vast land, only three regions and can not be accurately the performance of the Sichuan Province, the overall level of; 2 types of diseases affecting medical the important factors of cost, but because of missing data, and the author effort and time limited research in this area is not in place; 3. impact of medical cost factors, the article does not use the analysis of multivariate analysis factors affecting medical costs.
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