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非寿险精算中的无赔款优待模型(NCD)主要应用于机动车辆保险,本文试着将其应用于住院医疗保险中,结果认为,NCD对住院医疗保险保费的制定有一定的指导作用。
Non-life actuarial non-indemnity treatment model (NCD) is mainly used in motor vehicle insurance, this article tries to apply it to inpatient health insurance, and concludes that NCD has a certain guiding role in the formulation of hospitalization insurance premiums.