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Notice of the China Insurance Regulatory Commission on Issues concerning Further Improving the Actuarial System of Personal Insurance | | 中国保监会关于进一步完善人身保险精算制度有关事项的通知 |
(No. 76 [2016] of the China Insurance Regulatory Commission) | | (保监发〔2016〕76号) |
All personal insurance companies: | | 各人身保险公司: |
For the purposes of further improving the actuarial system of personal insurance, giving play to the guarantee functions of insurance, protecting the lawful rights and interests of insurance consumers, and promoting the sustainable and sound development of the personal insurance industry, the relevant matters are hereby announced as follows: | | 为进一步完善人身保险精算制度,发挥保险保障功能,维护保险消费者合法权益,促进人身保险行业持续健康发展,现将有关事项通知如下: |
I. Insurance companies shall prioritize the improvement of the risk protection of insurance products, and the insured amount shall satisfy the following requirements: | | 一、保险公司应着力提升保险产品的风险保障水平,保险金额应满足以下要求: |
As to the individual term-life insurance, individual endowment insurance, individual whole-life insurance, and individual care insurance products developed and sold by any insurance company, the ratio of the insured amount of death insurance or care liability insurance to the accumulative premium paid or the account value shall conform to the following requirements: | | 保险公司开发销售的个人定期寿险、个人两全保险、个人终身寿险和个人护理保险产品,死亡保险金额或护理责任保险金额与累计已交保费或账户价值的比例应符合以下要求: |
Age Reached | Lower Limit of the Ratio | 18-40 years old | 160% | 41-60 years old | 140% | Above 61 years old | 120% |
| | 到达年龄
| 比例下限
| 18-40周岁
| 160%
| 41-60周岁
| 140%
| 61周岁以上
| 120%
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