Analysis on Premium Adjustment Mechanism of Critical Illness Insurance in China / 中国卫生经济
Chinese Health Economics
;
(12): 20-23, 2014.
Article
Dans Chinois
| WPRIM
| ID: wpr-451157
ABSTRACT
Objective:
By constructing the cash flow model, it proposed the premium adjustment mechanism of critical illness insurance(CII).Methods:
Based on the practical data of critical illness insurance in China, it established some actuarial assumptions and cash flow model to simulate and analyze premium adjustment mechanism of CII.Results:
( 1) Because of the deterioration of critical illness incidence rate and the change of market interest rates , CII guaranteed premium usually resents pricing risk, which showed that the cash flow is negative, sometimes accumulated cash is negative; (2) based on the criteria of insurance cost adjustment, it is suggested that when the loss rate reached more than 70%, which could permit the insurance company adjust the premium, if the loss rate reached more than 80%, it needs to compulsory the insurance companies to adjust premium.Conclusion:
The study proposes the mechanism of CII premium adjustment, provides guidance for practice.
Texte intégral:
Disponible
Indice:
WPRIM (Pacifique occidental)
Type d'étude:
Guide de pratique
/
Étude pronostique
langue:
Chinois
Texte intégral:
Chinese Health Economics
Année:
2014
Type:
Article
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