What is the principle of health insurance rate?

Insurance rate refers to the proportion of insurance premium calculated according to the insured amount, which generally consists of pure rate and additional rate. According to China's Insurance Law, the formulation of insurance rates must be approved by the People's Bank of China, and insurance companies are not allowed to change or formulate insurance rates without authorization.

There are many factors that affect the rate of health insurance, such as failure rate, failure rate, disease incidence rate, interest rate, expense rate, disease duration and mortality rate. At the same time, underwriting habits, claims principle, exhibition mode and company's main objectives will also affect health insurance rates.

The rate principle of health insurance includes the principle of insurance premium balance, the principle of step rate, the principle of changing rate year by year and the principle of unified rate. Different rate principles have their own advantages, and passive security factors such as payment of fees, estimation of benefits and risks must be considered when choosing.