保险商品也应和其它商品一样,其价格应随市场变化,在其价值上下浮动。因近年来商品物价不断上涨,保险商品的价格应随通货膨涨及物价上涨指数相应上调,保险费率主要依危险发生概率和损失概率而定。目前,因人口激增,城市化致财富与人口高度集中,加之环境污染与恶化等原因,使危险发生及损害率呈上升趋势,在以经济危险率较低情况下制定的费率应随危险率上升趋势有所上调。此外,PICC承担了大量并未实际得到政府补贴优惠的政策牲保险业 Insurance products should be the same as other commodities, their prices should change with the market, fluctuating in value. Due to rising commodity prices in recent years, the prices of insurance products should be raised correspondingly with inflation and inflation indices. The premium rates mainly depend on the probability of occurrence of danger and the probability of loss. At present, due to the surging population, the high concentration of wealth and population caused by urbanization, and the environmental pollution and deterioration, the incidence of danger and damage rate are on the rise. The rates set forth under the conditions of low economic risk should be in accordance with the risk ratio The upward trend has been raised. In addition, PICC undertook a large number of insurance policies that did not actually receive government subsidies