1. Product design should follow the principles of marketability, simplicity, complementarity and balance, and make different arrangements and combinations for important contents such as insurance subject matter, insurance liability, insurance premium rate, insurance amount and insurance period, so as to form insurance products that meet the needs of consumers. The factors involved in product design are: insurance scope, insurance liability, liability exemption, insurance period, renewal, insurance premium, the handling of the insured's termination of the contract, the insured's age, gender, occupation and other risk factors.
2. One of the basic work of health insurance management is actuarial, which is mainly divided into rate setting, payout ratio calculation and reserve withdrawal. The basic principle of determining the rate is that the premium income is exactly equal to the indemnity expenditure.
3. Equivalence and fairness are the basic principles for setting health insurance rates.
Health insurance is for people's health. It is insurance for medical expenses caused by illness or accidental injury or income loss caused by illness or accidental disability. At the same time, health insurance also includes economic compensation insurance for long-term care due to old age, illness or disability. Health insurance is an important part of the national multi-level medical security system.
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