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Disability Income Insurance and Pricing in Mainland China

Author

Listed:
  • Tao Chen
  • Shaodong Ma
  • Xiaolan Ye

Abstract

Disability income insurance (DI) and its pricing in mainland China is discussed with a focus on the current situation, market prospects, and the pricing process. Our study concludes that (1) there is a bright future for commercial DI, but current consumers are mainly urban residents with above-average incomes; (2) by combining health service data and experiences of the insured, one can calculate the premium rate by sex, region, and occupation; and (3) the price of DI should be higher in rural areas than in cities; the commercial DI premium rate is overpriced for people under 45, and underpriced for people over 45.

Suggested Citation

  • Tao Chen & Shaodong Ma & Xiaolan Ye, 2011. "Disability Income Insurance and Pricing in Mainland China," Chinese Economy, Taylor & Francis Journals, vol. 44(6), pages 44-55, November.
    • Handle: RePEc:mes:chinec:v:44:y:2011:i:6:p:44-55
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