美国回溯型工伤补偿保险产品与定价研究

Research on Retrospective Work Injury Compensation Insurance Products and Pricing in the United States

为满足多样化的保险需求,国际保险市场的保险产品不断创新发展。不同于保费基于预期损失设定后不变的预期型保险,美国回溯型工伤补偿保险的保费基于保险期限内支付的赔款金额进行调整,可以满足大型企业对工伤补偿保险的特定需求。本文阐述了美国回溯型工伤补偿保险产品的基本形态和不同回溯型产品的费率定价方式,分析其定价原理,发现回溯型保险产品适合具有一定规模的大型保险客户,可满足其特定的保险需求,同时对投保企业具有积极的风险管理激励作用。通过对美国回溯型工伤补偿保险产品的研究,为我国保险产品的技术拓展和探索创新提供了有益启示。

In order to meet diverse insurance needs,insurance products continue to innovate and evolve in the international insurance market.Unlike prospectively-rated insurance where premiums remain unchanged based on the determined expected loss,the premium of the retrospectively-rated workers’compen-sation insurance in the US insurance market is adjusted based on the amount of claims during the insurance period,which can meet the specific needs of large insureds.This paper expounds the basic forms of the US retrospectively-rated workers’compensation insurance products and the different retrospective rating methods,and analyzes their pricing principles.It concludes that retrospectively-rated insurance products are suitable for large insurance customers with a certain scale,providing actively risk management incentives for the insureds.The research on the US retrospectively-rated workers’compensation insurance products provides valuable insights into the technical advancement of insurance product design and the exploration of supply-side innova-tion in China.