论中国首套重大疾病经验发生率表的影响

随着医疗技术的进步,重疾康复率不断提升,与此同时,医疗费用也在迅速上升,健康保险里的重疾险成为了发达地区消费者的首选保障手段。长期以来,我国一直没有自己的疾病发生率表,重疾险产品的定价和法定准备金评估,主要依靠再保险公司提供的国外发生率数据。但这种情况下,定价与评估的准确性、科学性和适用性都难以保证,这无疑制约了重大疾病保险的发展。2013年11月,我国首套重大疾病经验发生率表发布。首套重大疾病发生率表的发布对我国重大疾病保险发展和重大疾病保险的主要参与者会产生哪些影响?

Influence on China first serious disease experience occurrence table

With the progress of medical technology, rising rates of severe illness rehabilitation, while also rapidly rising health care costs, health insurance in the critical illness insurance has become the preferred means of safeguarding consumers in developed regions. For a long time, China has been no incidence of the disease own tables,pricing and legal reserve to assess critical illness insurance products, mainly rely on foreign reinsurance companies incidence data pro- vided. But in this case,the accuracy of the pricing and assessment, scientific and applicability are difficult to guarantee, which undoubtedly hampered the development of critical illness insurance. November 2013, China＇s first set of tables published incidence of major diseases.With the first setting of the table incidence of major diseases, what impact will the development of critical illness insurance and a major player in our critical illness insurance？