When formulating the health insurance rate, the disease rate, disability rate and duration of disease (disability) are mainly considered. The rate calculation of health insurance is based on the loss rate of insurance amount, and the unexpired liability reserve at the end of the year (that is, the reserve predicted in advance for unrealized insurance liability) is generally paid according to a certain proportion of the premium income of the current year. In addition, the waiting period, exemption period, deductible, payment ratio, payment ratio and payment amount stipulated in the health insurance contract also affect the final rate.
Mortality is a life insurance premium.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.