You need to know the premium rate of health insurance.
As we all know, health is the capital of revolution. Once a person's body fails, it needs to fight to the death to get back on track. The function of health insurance is to put our capital in the safe, so what are the characteristics of health insurance?
1. actuarial technology of health insurance characteristics
Health insurance and life insurance are independent types of insurance, but there are great differences in product pricing basis and reserve calculation. The rate calculation of life insurance is mainly based on the probability of life and death, expense rate and interest rate. The rate of health insurance is calculated on the basis of * * * insurance proportion, payment method, incidence rate, disability rate, duration of illness (disability), waiting period, exemption period, payment limit and deductible. , and based on the insured loss rate, combined with the level of medical expenses to adjust the rate and drug prices. Regarding the characteristics of health insurance, the reserve due at the end of the year is generally paid according to a certain proportion of the premium income of the year. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Do you have any insurance recommendations?
Second, the insurance period characteristics of health insurance
The insurance period of health insurance is generally a short-term contract of one year, while the contract period of life insurance is mostly a long-term contract. The main reasons are:
1. The probability of human infection varies from year to year and may be affected by the environment. The incidence of a disease is 0.2% this year, but it may not reach 0.0 1% in the next few years, so it is difficult for insurers to calculate a long-term applicable insurance premium rate;
Nowadays, the cost of medical service is increasing year by year.
Regarding the characteristics of health insurance, a balanced insurance rate can be adopted during the whole payment period.
Health insurance is a long-term fixed payment insurance with major diseases as its main responsibility. Health has the closest relationship with people. Buying health insurance can protect your health, and you won't delay or give up treatment because of illness and medical expenses.
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Now many people still have such questions, "I already have social security, do I still need to buy medical insurance?" In fact, the protection of medical insurance is limited, and the scope and proportion of reimbursement are also limited, not to mention drugs. Some imported drugs still have to pay for themselves. In many developed countries with extremely perfect social security, such as Britain and Germany, a large number of residents still buy commercial health insurance, so it is even more necessary to take precautions in China. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
You must know these four basic responsibilities included in health insurance.
Now, more and more friends care about their health. We all know that once they are seriously ill, they will lose everything, but their families will be destroyed. So after realizing the importance of health insurance, many people buy health insurance to protect their health, but do you really know about health insurance? Today, I am here to tell you the basic responsibilities of health insurance.