What is the per capita insurance premium? Per capita premium and per capita productivity

The per capita premium refers to the average annual cost of insurance for each person. For example, if a family of three invests 3,000 yuan in education insurance for their children within a year, then the per capita premium of the family is 1,000 yuan per person. Premiums per capita can reflect the insurance status of people in a region or country.

What is the per capita premium in China?

Although China's insurance market has been developing rapidly in recent years, on the whole, China's per capita premium is still far less than that of developed countries, and it should be said that it is still in a relatively early stage of development.

In 2012, the People's Bank of China released the "2012 China Regional Financial Operation Report", which showed that in 2012, China's per capita premium was 1144 yuan, and the insurance depth was 3%; In developed countries during the same period, the depth of insurance was 12%, and the average premium per person was $2,000 to $3,000. In Germany, the per capita premium is 2,200 euros, which means that the per capita insurance premium in our country is less than one-tenth of that of developed countries.

Although the per capita premium is low, China's insurance market is still out of the developing market. On August 13, 2014, the "Several Opinions on Accelerating the Development of Modern Insurance Service Industry" issued by *** mentioned China's insurance plan by 2020, requiring per capita premiums to reach 3,500 yuan and insurance depth to reach 5%. In 2013, the premium income of China's insurance industry reached one trillion yuan, the GDP reached one trillion yuan, and the insurance depth and per capita premium were 3% and 1,265 yuan respectively.

Of course, due to the large differences in regional economic development in China, the per capita premiums of various provinces and cities are also different. For example, Beijing's per capita premium has reached the level of moderately developed countries: statistics from the Beijing Insurance Regulatory Bureau show that in 2012, the premium income of personal accident insurance was 100 million yuan, a year-on-year increase.

In terms of other types of insurance, the premium income of property insurance business increased year-on-year to 100 million yuan; The premium income of life insurance business was 100 million yuan, a year-on-year increase; Health insurance premium income increased year-on-year to 100 million yuan.

You're talking about what kind of insurance.

Answer: Insurance density.

Insurance depth: refers to the proportion of premium income in gross domestic product (GDP), which is an important indicator to reflect the position of a country's insurance training industry in its national economy.

Insurance density: refers to the per capita premium income calculated according to the national people's Chang Chankou of a country, which reflects the popularity of insurance and the development level of the insurance industry in a country.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

It is the ** company, everyone be careful, I used to work in the Pacific company, and then left, but I have always insisted on selling various companies car imitation beam insurance, accident card single, on my family in 2017 in the People's Insurance Health to buy e Anjian 10 + 1 card single there are more than 1,000, as a result, my husband accidentally fractured, after the report, it is said that it is good, said that you treat first, after the treatment first reported cooperative medical treatment, after the report, the information was mailed to Shanghai, and the rest of them reported, after the first mail, they said that the lack of village certificate seal, I hit ** after the second mail, and I received it normally, they said I received it, I could get the money within a month, two months have passed, there is no sound rubber letter, I called for another week**, and finally passed, the reply is lost, I can't find it, speechless, right? After another week, I got through again.,I'm definitely going to say something.,There's a great after-sales service.,Reply.,Didn't you find it now? There is no way to complain.

In the end, I said that I could see the money within 15 days, and it had been another month, and there was no news, and I called him after the sale, and I was sure that it was not busy, or no one answered, a week passed, and no one had picked it up, and finally I found the friend who sold me a card order to prepare for the state transport, and he also played, and the ending was the same, he asked me to call the Insurance Regulatory Commission**, and the Insurance Regulatory Commission didn't seem to be able to manage their company, just let their company give me **, well, it's been a few months, and finally it's back**, and the result is a full refusal, The reason is that the Luoyang No. 2 Traditional Chinese Medicine Hospital where we see a doctor is private, I asked the doctor, and the doctor said that it has always been a public level 3 hospital, and patients have been more insured, and the PICC health company I bought is the first to have such a problem. I hope to see friends, don't fall for the garbage company of PICC Health again.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"