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通过分析绿色保险的内涵和作用,论述了保险公司经营中绿色保险产品的设计问题:确立以索赔为基础的承保方式;确定合理的承保范围;厘定科学的保险费率;确定合理的责任限额和索赔时效;建立绿色保险再保险制度等。我国保险公司科学合理的设计绿色保险产品,对我国建立绿色保险制度,并大力推行这项业务,具有十分重要的意义。
Through the analysis of the connotation and function of green insurance, this paper discusses the design of green insurance products in the insurance company’s operation. It establishes the claim-based underwriting method, determines the reasonable insurance coverage, determines the scientific insurance premium, determines the reasonable limit of liability and Claim aging; establish a green insurance reinsurance system. It is of great significance for insurance companies in our country to design green insurance products scientifically and rationally, establish a green insurance system for our country, and vigorously promote this business.