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随着保险费率管制的放开 ,保险公司根据市场不同的需求 ,对保险产品进行差别定价不仅合理 ,并且必须 ,将是未来主要的利润增长点。保险差别定价的根据是按照不同的价格 ,直接把同种保险产品卖给不同的投资人 ;同一保险产品在不同时间、不同空间索取不同价格 ;针对不同的投保人群体 ,对保险产品作适应性调整 ,分别索取不同的价格。保险差别定价的关键在于对投保人进行分组 ,在于产品创新 ,树立产品竞争优势。保险差别定价是保险产品创新的基础 ,能鼓励、促进产品创新 ;反过来 ,产品创新又提供了差别定价的可能 ,也是差别定价获得良好效益的保证。
With the liberalization of the premium rate control, insurers differentiating insurance products according to different market demands are not only reasonable but also necessary and will be the major profit growth points in the future. Insurance differential pricing is based on different prices, directly to the same type of insurance products sold to different investors; the same insurance products at different times, different space for different prices; for different groups of insurance applicants to adapt to the insurance products Adjustment, respectively, for a different price. The key of insurance differential pricing lies in the grouping of policyholders, product innovation and product competitive advantage. Insurance differential pricing is the basis of insurance product innovation, which can encourage and promote product innovation. In turn, product innovation offers the possibility of differential pricing, and it is also a guarantee for good pricing of differential pricing.