Analysis on the Rate Estimation of Coal Pneumoconiosis Liability Insurance
10.7664/CHE20131108
- VernacularTitle:煤矿尘肺病责任保险的费率测算研究
- Author:
Haitao ZHENG
;
Jing SUN
;
Bei WANG
- Publication Type:Journal Article
- Keywords:
pneumoconiosis;
liability insurance;
rate making;
pure premium method
- From:
Chinese Health Economics
2013;(11):24-26
- CountryChina
- Language:Chinese
-
Abstract:
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.
