| The major medical expense insurance is one important kind of the supplemental medical expense insurance. The liability of this insurance is the reasonable and required medical expenses which are above the basic medical insurance payments.The major medical expense insurance can solve the problem of the high medical expenses, the market requirement is huge. Now most companies have the health care which is the basic medical protection. The amount of the medical costs which is relative small, such as emergency cost, hospitalization cost, can be offered by the health care. However, the costs of the big operation, such as all the cancer operations, organism transfer operation, are fairly expensive. The amount which is offered by the health care is about four times bigger of the salary. This amount is very small. Therefore what can we do for the rest expenses? We can solve this problem by the major medical expense insurance.Though the major medical expense insurance has broad potential markets, it's not used widely in our country. Certainly there are many reasons, include the social recognition, the problem of the legal aspect and the lack of the experience and data of medical insurance in commercial insurance company. However,the most important reason is the restriction of technique: medical insurance is different from life insurance,it needs finance, law, technique and medical management as basis to develop new products. Also to pricing the premium rate needs a lot of professional research, data and the support of serious calculation.The beginning of our commercial medical insurance is late, the basic data is few and the professional research is weak. All the reasons make the calculation and application of the new medical insurance is very difficult. Overall, to be basic on many subjects knowledge and focus on the current situation of the major medical expense, the research of the actuarial method of the premium rate has strong realistic and practical meaning. |
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