1. Group health insurance companies can reduce payout ratio by adjusting insurance rates. Usually, insurance companies will set insurance rates according to the results of risk assessment. Therefore, payout ratio will be affected by the adjustment of insurance rates.
Insurance companies can limit the scope of compensation by adding insurance clauses. For example, insurance companies can stipulate that certain diseases are not covered, or medical expenses of some hospitals or doctors are not covered, thus limiting the scope of compensation and reducing the payout ratio.