资源描述：
《健康保险精算理论与实务探析》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。
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
2、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精算寿险聚合模型利差损降息风险聚合模型AbstractAccordingtotherelevantprovisionsofChina'sinsura
3、ncelaw,supplementarymedicalinsuranceislargemedicalinsurance,mustbere-insurance.Basedonlong-termrisk,discussesthedevelopmentofsupplementarymedicalinsurancepremiumsandactuarialrisksfacedandillustratestheuseoftheestablishedmodel.ThehighestprofessionalqualificationfinancialplanningCFP,nam
4、elyCertifiedFinancialPlannerorfinancialplannerisexpectedtovisitmainlandChina.Currently,thedomesticpersonalfinancemarketisbooming,growingfinancialneedsofcustomers,thelifeinsuranceindustrytoprovidepersonalfinancialplanningservicesistheinevitableresultofmarketcompetition.Personalfinancia
5、lplanningservicesindustryhasbecomeacommonpracticeinternationally,thedomesticinsurancesectorhasalsobeguntoactivelyexploretheChinesecharacteristicsofpersonalfinancialservicesmodel.Inthelongrun,thelifeinsuranceindustrytocarryoutpersonalfinancialplanningserviceswouldhaveapositiveimpactont
6、helifeinsuranceindustry,bringwin-winresultsforlifeinsurancecompanies,agentsandintermediaries,lifeinsurancecustomers.Thenextfewyears,China'slifeinsuranceindustryinpersonalfinancialplanningserviceswillappearinfournewtrends,tofurtherpromotethehealthofChina'sinsurancemarket,sustainedandra
7、piddevelopment.Inthispaper,China'scommercialhealthinsurancebusinessprofessionalmanagementofthestatusandtrendsinthelackofhealthinsuranceactuarialstandards,in-depthanalysisoftheUShealthinsuranceactuarialstandardsofpracticeanditsmaincontentsbasedonthecombinationofthecurrentsituationandde
8、velop
