Health insurance rate

The main factors that determine the rate of health insurance are: morbidity, disability rate, course of disease, interest rate, expense rate, failure rate and mortality rate. Other factors, such as exhibition mode, underwriting habits, claims principle, and the company's main objectives, will also affect the health insurance rate. The changes in hospital management and medical methods, economic development, geographical environment and other conditions also have an impact on our future salary forecast, but these factors are not easy to be predicted completely and accurately.

1. Uniform rate principle

2. Step rate principle

3. The principle of changing the rate year by year

4. The principle of insurance premium balance

Although the above methods have their own advantages, passive safety factors such as risk assessment, cost payment and profit must be considered at the same time.

For the insured who can't meet the health requirements stipulated in the standard terms, but can be conditionally underwritten, they can be underwritten according to the sub-standard policy. The commonly used methods in determining the rate are:

(1) Reduce the payment period of policy income.

(2) Reduce policy income

(3) Increase the waiting time

(4) Provisions on exclusions or restrictions on guarantees, etc.