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监管部门规范短期健康保险业务:严禁出现“0”费率等各类明显不符合精算原理的情况

Regulatory authorities regulate short-term health insurance business: “0” rates and other types of situations that clearly do not comply with actuarial principles are strictly prohibited

Breakings ·  Nov 6, 2023 16:45
On November 6, the supervisory authorities issued the “Notice on Further Accomplishing Matters Relating to Short-Term Health Insurance Business” to various insurance companies. The notice pointed out that in their daily supervision, the supervisory authorities recently discovered that some insurance companies operate short-term health insurance business and have problems such as careless product design, weak sales management, and inadequate customer service. The notice stated that product pricing should be scientific and reasonable, that the premium rate for each insurance period should be determined in strict accordance with the pricing data base, that the rate structure of the product must not be changed through arbitrary adjustments to actuarial assumptions, etc., and that “0” rates and other types of situations that clearly do not comply with actuarial principles are strictly prohibited.

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