Family Joint Major Disease Insurance Product Design

With the improvement of China's national strength,the improvement of economic environment,the improvement of insurance regulation and regulations,and the improvement of medical level,people's demand for major diseases insurance is increasing.At the same time,our family risk awareness is also increasing.Under the promotion of the comprehensive second child policy,the psychological needs for family health insurance are increasingly strong.The family joint major illness insurance product designed by the family has a wide market demand.This paper first introduces the basic introduction of family joint major disease insurance,and analyzes the development status of major diseases insurance in foreign countries and the status of domestic development.Then,the open information research and chart analysis method were applied to study the insurance market situation of the family major illness insurance.The development of the insurance industry is stable and good.There are many problems in the major disease insurance market,and the products have broad potential market demand.According to the analysis of potential market demand of products and following the basic principles of product design,a family joint major illness insurance product is designed,and the form,characteristics,advantages and risks of products are described.Then analyzes the family structure and the possible danger products can cover the responsibility,use Markov method to study the pricing of products from actuarial angle,based on the actuarial assumptions,to calculate the basic insurance amount of $10 per thousand year rate table and do a simple example of the insured.Finally,it introduces the product promotion strategy of the family joint major disease insurance from two aspects: promoting the key channels,close practice and policy.