煤矿尘肺病责任保险的费率测算研究

Analysis on the Rate Estimation of Coal Pneumoconiosis Liability Insurance

目的:评估煤矿尘肺病的风险,测算煤矿尘肺病责任保险的毛保费率。方法:运用纯保费法,以各省份尘肺病新发病率的数据为基础,测算了该险种的毛费率,并根据风险分类法制定了分省费率表。结果:得到了重庆、陕西、山西、山东、河南、安徽6省份工种、分煤矿所有制形式的该险种的费率表。结论:不同省份间煤矿尘肺病风险水平差异较大,保险公司在开展业务时,须针对不同省份,制定对应的费率表。

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.