Don't miss the principle of health insurance rate and the method of setting the rate.
At present, there are hundreds of types of insurance that can be purchased in China, and each type of insurance has its own rate standard. 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. Insurance rate refers to the proportion of insurance premium calculated according to the insured amount, which generally consists of pure rate and additional rate. When buying insurance, I believe everyone is very concerned about how the insurance premium is calculated, and why some insurance products seem to have similar protection terms, but the prices are far apart. Let me explain something to you. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
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. Similarly, underwriting habits, claims principle, exhibition mode and the company's main objectives will also affect the health insurance rate. There are also changes in hospital management, medical methods, geographical environment, economic development and other conditions that affect our future compensation prediction, but these factors are generally not easy to be accurately and completely predicted.
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.
For some insured who can't meet the health requirements stipulated in the standard body, but have the conditions to insure, they can choose the sub-standard body policy to insure. At this time, the methods of setting the rate include reducing the policy income, stipulating the exclusion liability or limiting the protection, reducing the payment period of the policy income and increasing the waiting period.
The above is the principle of health insurance rate and the method of formulating the rate. Do you still remember?
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