What are the inherent risks of health insurance? What are the inherent risks of health insurance?

The essential risk factors of health insurance mainly refer to the risks provided by the insurance company's irregular management, which are reflected in the business, that is, a series of risks such as product design, underwriting and payment process. The above are the inherent risks of health insurance.

Characteristics of health insurance

1, insurance period: Except for critical illness insurance, most health insurance is usually a one-year short-term contract;

2. Actuarial technology: the pricing of health insurance products mainly considers the disease rate, disability rate and disease (disability) delay time;

3. Payment of health insurance: The question of whether the payment standard is applicable to health insurance depends on the situation. Expenditure-based health insurance applies this standard, while fixed-budget health insurance does not.

4. Uniqueness of operational risk: the risk caused by operational injury of health insurance is far more complicated than that of life insurance, and adverse selection and risk prevention and control measures are more serious.

This article mainly focuses on the inherent risks of health insurance, which is a related knowledge point and the content is for reference only.