Analysis on the Rate Estimation of Coal Pneumoconiosis Liability Insurance / 中国卫生经济

ABSTRACT

Objective:To assess the risk of coal pneumoconiosis and measure the gross premium rate of coal pneumoconiosis liability insurance. Methods: Based on the data related to pneumoconiosis risk from published materials in different provinces, it used pure premium method to measure the gross premium rate and made province-specific rate tables of this liability insurance according to risk classification. Results: Rate tables of Chongqing, Shaanxi, Shanxi, Shandong, Henan and Anhui were made according to type of work and form of coal’s ownership. Conclusion: The risks of coal pneumoconiosis among different provinces are very different. It’s necessary to make province-specific rate tables when developing business of coal pneumoconiosis liability insurance for different provinces.