Analysis of health insurance rate
The main factors that determine the rate of health insurance are: morbidity, disability rate, course of disease, interest rate, expense rate, failure rate and mortality rate. Other factors, such as exhibition mode, underwriting habits, claims principle, and the company's main objectives, will also affect the health insurance rate. The changes in hospital management and medical methods, economic development, geographical environment and other conditions also have an impact on our future salary forecast, but these factors are not easy to be predicted completely and accurately. Its main principles are: 1. Unified rate principle; 2. Step rate principle; 3. The principle of changing the rate year by year; 4. The principle of insurance premium balance. Although each of these methods has its own advantages, passive safety factors such as risk assessment, cost payment and profit should be considered at the same time.
For the insured who can't meet the health requirements stipulated in the standard clauses, but can be conditionally underwritten, they can be underwritten according to the sub-standard policy. The methods often used in the rate setting are: (1) reducing the payment period of the policy income; (2) reduce the policy income; (3) Increase the waiting period; (4) agreed exclusions or limited guarantees.
Understand the health insurance rate and its characteristics.
After you know the rate of health insurance, the main characteristics of health insurance are: 1, insurance period. Compared with life insurance, the duration of health insurance is mostly a one-year short-term contract except for critical illness insurance. The main reasons are: first, the cost of medical services is increasing; Second, the incidence of diseases changes greatly every year, and it is difficult for insurance companies to calculate a long-term applicable insurance rate. The contract term of life insurance is mostly long-term, and a balanced insurance premium rate can be adopted during the whole payment period. 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?
2. Payment of health insurance. The payment of health insurance is divided into compensatory payment and fixed payment according to the different underwriting responsibilities in the insurance contract. Expense-based health insurance, that is, providing insurance protection for the insured's medical expenses or income losses caused by injury, belongs to compensatory payment, similar to property insurance. Fixed payment health insurance, like life insurance and accidental injury insurance, is insured according to the insurance amount agreed in advance in the insurance contract when an accident occurs.
3. Particularity of contract terms. In addition to lifelong medical insurance, health insurance provides compensation for the insured's medical expenses and loss of disability income, basically on the premise of the existence of the insured, and the beneficiary and the insured are the same person, and there is no need to designate a beneficiary. Among the health insurance clauses, there are some special clauses, such as medical examination clause, deductible clause, waiting period clause, existing conditions clause, conversion clause, coordinated payment clause, etc. In addition, there are many definitions of medical terms and nouns in health insurance contracts, and the clauses involving insurance liability are also complicated. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
In addition, there are two main exclusions of health insurance: first, the losses caused by war and military operations are high and unpredictable. When setting the normal health insurance rate, it is impossible to calculate the injury factors and medical expenses of war and military operations, so it is regarded as an exclusion. On the other hand, health insurance only bears the risk of accidents, and is not responsible for diseases, deaths and disabilities caused by intentional suicide or attempted suicide.