College Students Critical Illness Insurance Product Development

Since the enrollment expansion of colleges and universities,the number of college students in successive years.Although college students’ physical quality in the stage of gold in life,but it is the unforeseen that always have a blessing,accident and disease risk is fair to everyone,also is not hard to find someone in the college students because of leukemia,malignant tumor,uremia such major disease and collecting hard on campus,open all the ways and means in the network.Existing in our country’s medical system can guarantee the most basic medical university student,for the college students’ family of major diseases,help is very limited,we learned through nearly 1200 copies of questionnaires,the consciousness of college students generally have higher insurance and insurance requirements,so sought-after in the market is a specially designed for college students major disease insurance products,to meet China’s college students with such a huge special group.This paper first introduces the definition of major disease insurance,present situation at home and abroad,the characteristics of the college students major disease insurance,on college students major disease insurance demand analysis illustrates the design on the basis of the necessity and feasibility of college students major disease insurance.Then follow the basic principles of product design,in line with the life insurance product development strategy and target market positioning,on the basis of combining with the characteristics of sales channels and college student insurance demand design out of the college students major disease insurance products,and completed the design of the insurance contract.Then use actuarial theory to product pricing are discussed in this paper,and the special products to promote the focus of the channel are expounded.Finally from product design,product pricing,risk,moral risk management risk products,four aspects are introduced in the process of the product design promotion should pay attention to the risk management measures and direction.