健康保险精算理论与实务探析
10页1、健康保险精算理论与实务探析摘要根据我国保险法的有关规定,补充医疗保险是大额医疗保险,必须进行再保险。本文基于长期风险,探讨了发展补充医疗保险的保费及面临的风险精算问题,并举例说明所建立模型的使用方法。 理财规划的最高职业资格 CFP,即注册金融策划师或理财规划师有望登陆中国大陆。目前,国内个人理财市场方兴未艾,客户的理财需求日益增长,寿险业提供个人理财规划服务是市场竞争的必然结果。国际同业的个人理财规划服务已经蔚然成风,国内保险界也开始积极探索中国特色的个人理财服务模式。从长远看,寿险业开展个人理财规划服务将对寿险业产生积极影响,为寿险公司、代理人及中介机构、寿险客户带来多赢结果。未来几年,我国寿险业的个人理财规划服务将呈现出四大新趋势,进一步推动我国保险市场的健康、持续、快速发展。本文结合我国商业健康保险业务专业化经营的趋势和健康保险精算标准缺乏的现状,在深入分析美国健康保险精算实务标准的制定及其主要内容的基础上,结合当前我国健康保险发展的实际情况和特点,对我国健康保险精算实务标准的制定从费率厘定、准备金提取和精算评估等诸多方面给出了一些有益的建议。【关键词】寿险 利差损 降息 保险
2、 精算 寿险 聚合模型 利差损 降息 风险聚合模型AbstractAccording to the relevant provisions of Chinas insurance law, supplementary medical insurance is large medical insurance, must be re-insurance. Based on long-term risk, discusses the development of supplementary medical insurance premiums and actuarial risks faced and illustrates the use of the established model.The highest professional qualification financial planning CFP, namely Certified Financial Planner or financial planner is expected to visit mainland Chin
3、a. Currently, the domestic personal finance market is booming, growing financial needs of customers, the life insurance industry to provide personal financial planning services is the inevitable result of market competition. Personal financial planning services industry has become a common practice internationally, the domestic insurance sector has also begun to actively explore the Chinese characteristics of personal financial services model. In the long run, the life insurance industry to carr
4、y out personal financial planning services would have a positive impact on the life insurance industry, bring win-win results for life insurance companies, agents and intermediaries, life insurance customers. The next few years, Chinas life insurance industry in personal financial planning services will appear in four new trends, to further promote the health of Chinas insurance market, sustained and rapid development.In this paper, Chinas commercial health insurance business professional manage
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