Xiao Nuo answer:
Hello!
The calculation process of health insurance premium is complex, and it needs to comprehensively consider various related factors such as disease incidence and mortality, and be determined by a special actuary.
There are three common ways to calculate the premium of health insurance:
1, and determine the premium level according to the premium rate;
2. Determine the premium level according to age, and there are different premium standards for each age group in the health insurance rate table;
3. Insurance companies determine premiums based on past experience, also known as experience premiums, which are more common in short-term group health insurance.
In short, the amount of health insurance premium is related to the rate, the insured amount and the length of insurance period, that is, the higher the rate, the more expensive the premium; The larger the insurance amount, the higher the insurance premium; The longer the insurance period, the more premium.