一个用于医疗保险分析的数据集:整合个体和基于区域的情境变量
Josep Lledó1, Priscila Espinosa2, Virgilio Pérez2
1Department of Applied Economics, University of Valencia, Avda. Tarongers s/n, Valencia, 46022, Spain. Josep.Lledo@uv.es.
Scientific data
|December 5, 2025
概括
来自西班牙 (2017-2019) 的新一套匿名医疗保险数据集现在可用于研究. 这些真实数据支持对保险动态,风险管理和学术数据科学应用的分析.
科学领域:
- 医疗保险分析 医疗保险分析
- 数据科学用于金融的数据科学.
- 计量经济学 计量经济学
背景情况:
- 由于保密性和竞争,对现实世界保险数据的访问是有限的.
- 医疗保险数据给研究和分析带来了独特的挑战.
- 现有的数据集可能无法捕捉到关键的上下文因素.
研究的目的:
- 介绍西班牙医疗保险组合 (2017-2019) 的新型匿名数据集.
- 促进医疗保险动态,产品设计和风险管理方面的研究.
- 为数据清理,统计分析和机器学习的学术应用提供资源.
主要方法:
- 编制了一个数据集,包含超过7万个独特的个体和225,000个数据行.
- 包括42个变量:27个来自保险公司记录,15个来自公共上下文来源.
- 确保数据匿名化,以保护隐私,同时保持分析完整性.
主要成果:
- 该数据集提供了西班牙医疗保险组合的全面视图.
- 它将直接保险变量与基于区域的上下文信息相结合.
- 匿名性允许进行强大的专业和学术分析.
结论:
- 这一数据集显著提高了医疗保险领域的研究能力.
- 它是行业专业人士和学术机构的宝贵工具.
- 使用真实世界保险数据实现实践学习和先进研究.
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