The price of health insurance rose by 60%

If you insure before the end of the current insurance period, the price will return to the first year in the second year, that is, it will be higher than the current price. If no payment is made at the end of the insurance period, you will continue to enjoy preferential treatment in the second year, and the insurance price in the first year will be restored in the third year.

At present, many provinces and cities across the country have initiated the reform of floating insurance rates, taking Beijing as an example.

Beijing has established a floating rate mechanism linking commercial auto insurance premiums with claims records, that is, simplifying the floating rate coefficient and increasing the floating range of the coefficient related to the number of claims. According to the past claims records of vehicles, the floating rate coefficient is uniformly calculated by the auto insurance information platform, so as to truly match the premium level with the accident situation, and solve the unfair problem that there are no accidents in motor vehicles and the number of accidents has nothing to do with the premium.

The main contents of the "Program" are:

First, on the basis of keeping the current terms and rates of commercial auto insurance unchanged, the coefficient 14 in the rate adjustment coefficient table of commercial auto insurance is simplified to 4, and the coefficient that is easily used by insurance companies for unfair price competition is cancelled.

The second is to increase the floating range of the coefficient of "no compensation preferential treatment and previous year's compensation record", so that car owners who drive safely can enjoy premium concessions. Vehicles don't go out of danger for five years, the minimum premium drops by 60%, they go out of danger for 8 times or more a year, and the maximum premium rises to 3 times.

Third, through the Beijing Auto Insurance Information Platform, the commercial auto insurance underwriting links of various insurance companies are systematically controlled to ensure that each company can reasonably calculate the premium according to the number of claims actually incurred by the vehicle.

The fourth is to standardize the existing vehicle codes and new car purchase prices of companies, and solve the problem that insurance companies use the new car purchase price to engage in vicious competition and harm the interests of the insured.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.