团体重大疾病保险风险调研报告——以东莞两镇村民险为样本

A Research on Group Critical Illness Insurance Risks——Using two towns in Dongguan as samples

团体重大疾病保险是团体保险市场主要产品之一,发病率、索赔病种分布决定其风险,但目前国内几乎未见使用真实商业团体保险经营数据作为样本的公开研究。本文通过对东莞市横沥、麻涌两镇于2008年在中国人寿投保团体重大疾病保险的实际数据研究,分析了不同性别、年龄的发病率及索赔病种的分布情况,并对造成两镇重疾险发病率的差异的原因进行了探讨。分析结果可用于团体重大疾病保险的风险评估、精算定价、产品开发,并对评估环境因素对重大疾病的发病率影响具有一定的借鉴意义。

Even though group critical insurance is one of the key group insurance products, and morbidity and claimed illness distribution determine its risk exposure, there is no related public research with actual empirical data from commercial insurer in China. Using the policy data from the two group critical illness plans of Hengli and Mar chong townships of Dongguan purchased from China Life Insurance Company Limited in 2008, the article researched on the critical illness morbidity and illnesses distribution by sex, age and region, and analyzed the causes for morbid ity difference between the two towns. The research results will be useful for risk analyzing, product developing and pricing, and have some reference value for evaluating the environmental impacts on critical illness morbidity.