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目的:评估煤矿尘肺病的风险,测算煤矿尘肺病责任保险的毛保费率。方法:运用纯保费法,以各省份尘肺病新发病率的数据为基础,测算了该险种的毛费率,并根据风险分类法制定了分省费率表。结果:得到了重庆、陕西、山西、山东、河南、安徽6省份工种、分煤矿所有制形式的该险种的费率表。结论:不同省份间煤矿尘肺病风险水平差异较大,保险公司在开展业务时,须针对不同省份,制定对应的费率表。
Objective: To evaluate the risk of pneumoconiosis in coal mine and measure the gross premium rate of liability insurance of coal mine pneumoconiosis. Methods: Based on the data of the new incidence of pneumoconiosis in all provinces using the method of pure premium, the gross rate of this insurance was calculated and the provincial rate table was established according to the risk classification method. Results: We obtained the rate schedule for the type of work under the ownership of coal mines in six provinces of Chongqing, Shaanxi, Shanxi, Shandong, Henan and Anhui. Conclusion: The risk level of pneumoconiosis among coal mines varies greatly among provinces. Insurance companies should set corresponding tariffs for different provinces when conducting business.