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人寿保险是以人的健康和生命为保险标的,保险公司一般根据以往的统计资料测定出人群的预定死亡率,从而计算出保险产品的标准费率,如果保险公司承保的人群死亡率大于预定死亡率,则严重影响了保险公司安全经营的原则。这就是说保险公司对于投保客户是有所选择的,从健康角度来讲,就是根据客户的健康状况将其区分为可以承保的群体和不能被承保的群体。
Life insurance is based on human health and life as the subject of insurance, insurance companies generally based on past statistics to determine the population of the predetermined mortality rate, and thus calculate the standard rate of insurance products, insurance companies if the coverage of the population mortality rate is greater than the expected death Rate, then severely affected the safe operation of insurance companies principles. This means that insurance companies have the choice of insurance customers, from the health point of view, is based on the customer’s health is divided into an underwriting group and can not be covered groups.