Analysis on Constructing Multi-Agent Game Simulation Model of Critical Disease Insurance Based on NetLogo Platform
Lai Yongqiang
Miao Wenqing
Ge Qianqian
Wang Xinyu
Qu Fangqi
Chen Rui
Li Ye
Abstract：Objective:It aims to introduce the Agent-Based Modeling simulation method in an innovative manner,develop a scientific sound modeling framework,and provide support for optimizing critical illness insurance policies for urban and rural residents.Methods:Using data from a province as variable parameters,a virtual simulation environment was developed on the NetLogo modeling platform from the dimensions of fund raising,fund utilization,and fund settlement.Results:Increasing the pooling ratio of the basic employee medical insurance fund to 2%renders the balance rate of critical illness insurance positive.The implementation of segmented reimbursement substantially reduces patients'out-of-pocket expenses,with an average reduction of approximately 629 yuan(12.55%).When commercial insurance companies adopt a 3%profit-loss ratio combined with a 50%additional risk-sharing ratio,the loss difference between the two parties is only 1 807 yuan.Conclusion:Based on the actual circumstances of a province,it designed policy schemes and conducted simulations that effectively target financing channel expansion,reimbursement method adjustment,and risk-sharing mechanisms,while identifying and predicting the equilibrium point in stakeholder games,thereby providing evidence for the optimization of critical illness insurance policies.
Keywords：critical disease insurancemulti-agent gamemedical insurance fundsimulationNetLogo simulation platform
Publication Date：2026-02-05
Online Publishing Date：2026-03-16(First online date of this platform, not the publication date of the document)
Pages：7( 32-37,50 )