中文摘要：

本文将期权理论引入并应用到医疗保险领域，克服传统损失分布法的局限性，为医疗保险精算提供新颖的分析工具和全新的研究视角。运用供给与需求的一般经济均衡分析将期权定价和精算定价统一于医疗保险精算领域，从精算技术与期权定价整合的视角提出医疗保险精算的供需均衡原理，并利用帕累托最优保险定价公式推导出经典Black-Scholes期权定价模型，缓解期权定价模型在医疗保险领域的应用障碍；利用障碍期权定价思想，标准期权定价模型、棘轮期权定价模型的推导思路，设计和构建含有免赔额、赔偿限额和共付比例的补充医疗保险障碍期权定价模型；最后将理论研究成果应用于我国医疗改革和医疗保险实践，测算补充医疗保险纯保费，丰富我国补充医疗保险定价方法的研究。

英文摘要：

Option theory is introduced and applied to the field of medical insurance, to overcome the traditional medical insurance loss distribution limitation, and to provide a innovative analysis tools and a new research perspective in this paper . Using supply and demand of general equilibrium analysis, the option pricing and actuarial pricing are unified in the medical field, and supply and demand balance principle of medical insurance are put forward, and use the pareto optimal insurance pricing formula to derive classic Black--Scholes option pricing model, alleviating option pricing model in medical insurance area of applicaion obstacles; using barrier option pricing idea, derivation thought of standard option pricing model and ratchet option pricing model to derive the supplementary medical insurance option pricing model containing deductibles, limit of compensation and pay a proportion. Finally, the academic research is applied to China ＇s medical reform and practice of medical insurance, to calculate the pure premium of supplementary medical insurance, and to enrich the research of our supplementary medical insurance pricing method.