发病率风险 是什么？
发病率风险 The risk of policyholders experiencing illness, injury, or disability at rates higher than assumed in pricing and reserving, affecting health and disability insurance liabilities.
Source: CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework
How is “发病率风险” Used in Practice?
精算师必须仔细评估发病率风险，以确保健康保险保费足以覆盖预期理赔。
Certification Exam Relevance
Who Needs to Know This Term?
- Financial Analysts
- Bankers
- Traders
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发病率风险 是什么？
The risk of policyholders experiencing illness, injury, or disability at rates higher than assumed in pricing and reserving, affecting health and disability insurance liabilities.
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