Let's talk about a few risks that are not included in the risk characteristics of health insurance. Occupational risk: refers to risks that occur at a certain frequency and are borne by professionals, including economic risks, political risks, legal risks and personal risks. Unexpected risk: refers to sudden, foreign, unintentional and non-disease risk. Death risk: refers to the risk of death.
Let's talk about the risk characteristics of health insurance compared with other two types of life insurance: (1) Compared with ordinary life insurance, health insurance has uncertain risk characteristics. Life insurance includes survival insurance, death insurance and old-age security for survival and death, and its actuarial basis is mainly life cycle table, which can generally remain unchanged for decades. The actuarial basis of health insurance is empirical data, which may change at any time. In real life, diseases are accumulated by many factors in the human body, showing a complex process, which increases the uncertainty of disease risk. (2) Compared with accident insurance, health insurance has multiple characteristics. The incidence of personal accidents is often thousands, and the incidence of diseases is several percent or even several tenths. So the randomness of health risks is very obvious.
Let's talk about the possible external risks of health insurance: (1) the risks brought by the rising prices of medical care and drugs. According to statistics, during the 25 years from 1980 to 2004, the per capita income increased by 10 times, the medical and health expenditure increased by 35 times, with an average annual increase of 24%, and the personal burden increased from 2 1% to 53.68%. Due to the underwriting cycle of health insurance, the rise of medical expenses and drug prices will inevitably bring the risk of losses to insurance companies. (2) The risk of overtreatment. Excessive medical risks with inconsistent interests between doctors and patients are finally passed on to insurance companies. (3) Moral hazard such as adverse selection. (4) The ability of human beings to resist the risk of diseases is reduced. Due to people's lifestyle and diet structure, the aging trend of cardiovascular and cerebrovascular diseases, diabetes and other elderly diseases has brought new risks to the health insurance of insurance companies.
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