中文摘要：

重大疾病风险不同于一般的可保健康风险，具有低概率、高损失（LPHL）的特征，因而在保险需求和管理上有别于一般的健康保险。基于随机占优偏好的效用理论和预期效用理论，分析重大疾病保险最优免赔额的确定，并考虑在不完全市场中的非单一健康风险条件对重大疾病保险需求的影响。

英文摘要：

Different with general insurable health risks, critical illness risk has the characteristics of low probability and high losses, so that the insurance demand and management are different from the general health insurance. Based on the utility theory of stochastic dominance preference and expected utility theory, how to determine the optimal deductible franchise of the dread-disease insurance was analyzed considering the impact of non-single health risk on critical illness insurance needs in incomplete market.