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Data:2009-12-12 2:34
Health insurance is based on the insured person's body for the health of the basic starting point in order to provide the insured person's medical expenses for the purpose of compensation for a class of insurance, with the general life insurance, accidental injury insurance coverage of the different:
1, health insurance is based on morbidity and the incidence of accidental injuries as the basis for calculating premiums. Health insurance refers to insurance, accident sickness and accidental injuries, not death, unlike other life insurance life table as to the basis for determining premium rates. Therefore, health insurance rates are the experience rates, instead of ordinary life have a fixed life table to be investigated.
2, health insurance, accident insurance refers to illness, accidental injuries, etc. There are many human diseases, health insurance, there are many different types of insurance, for a variety of diseases, all ages can be combined, each have some insurance customer base, insurance and more, to secure customer, the more, in particular, a lower incidence of some, but the event, most families can not afford their medical expenses are insurance, even with a low rate to protect the high characteristics. The general life insurance life insurance is just a combination of receiving and death payments, insurance less.
3, involved in health care costs health insurance is generally short-term insurance, per year, clearing a profit loss, the second can be adjusted annual rate. Therefore, insurance companies are run, does not constitute a pressure on long-term risks. The general life insurance will be due to the adjustment of bank interest rates and other factors, a number of years of risk prediction and control of difficult to grasp.
4, strong regional health insurance, and the morbidity, medical costs, per capita income varies with the region, particularly in health insurance medical costs, there is a big difference between different regions.
