2012ChinaInternational概要.PDF

2012 China International Conference on Insurance and Risk Management July 18-21, 2012 Qingdao China Study on Critical Illness Insurance Rate in China MA Shaodong School of Finance, Guizhou University of Finance and Economics, Guiyang, China, 550004 Abstract: The critical illness insurance is(CII) flourishing in China. The survey display that CII is the most popular insurance product in market in China. In fact, the market rate of CII is actual high, this may restrain many people’s demand of insurance. The rate of CII in Chinese Market are adopted guarantee rate, this may lead great risk. So we must explore the adjustment mechanism of CII further. The ratemaking of CII based on the measurement of inception rate of critical illness and the probability of survey, but there is no public data in China now. The article discusses the measurement of inception rate of critical illness, proposed some methods to measure the inception rate of critical illness. Based the measurement result, combining the main CII product in Chinese insurance market, the article determined the rate of accelerated CII, and evaluated the market rate. And then, the article proposed the adjustment mechanism to against guarantee rate. Keywords: critical illness insurance; rate adjustment; inception rate of critical illness 开发重大疾病保险最初的本意来看，在保单条 Ⅰ.引言 款中设置生存期是必须且合理的。 生存期的长 短反过来又影响重大疾病索赔率的经验结果， 重大疾病保险自 1995 年进入中国市场以来， 生存期越长，符合保单条件的重大疾病索赔就 历经了普通重大疾病保险产品的出现与初步发 越少，从而重大疾病经验索赔率就越低，反之 展阶段、分红型重大疾病保险的出现与停售阶 亦然。生存期的设置必须基于重大疾病患者的 段与重大疾病保险的规范化发展阶段[1]。在现 生存时间度量，遗憾的是，在国内的保险实践 阶段，重大疾病保险正处于蓬勃发展时期