保险学-重疾险重复投保行为与保险公司对策研究

重疾险重复投保行为与保险公司对策研究【摘要】近年来，在国家政策的推动下，我国保险业得到了迅猛的发展，保险产品也越来越多样化。就目前人身保险产品的发展来看，呈现逐年增长的趋势，其中，健康险和意外险占据人身保险市场的主要份额。而在健康险中，重疾险充当着重要的角色。本文主要通过文献综述法以及数据分析法等形式对资料进行分析与总结，研究重疾险重复投保行为与保险公司对策。研究发现，现今对于重疾险重复投保行为的明确规定较少，因此就保险公司对该行为的风险规避对策进行研究分析；同时，由于该行为在保险法及寿险公司保险合同中规定内容较少，导致从承保到理赔等各个环节中容易出现漏洞，使不法分子有利可图。保险公司要从根本上规避风险，仍要坚持不懈地探索。本文创新之处首先是在研究方法上的创新，主要使用文献综述法与数据分析法，利用近几年的相关数据进行分析，体现了时效性。其次，本文会针对重疾险这一险种来论述重复投保行为，体现了特定性。本文还将针对性的为保险公司的对策提出合理化的建议与意见，以完善重疾险的保险条例规定规避风险，以促进各保险公司稳定发展。【关键词】重疾险；重复投保；对策Research on Double Insurance Behavior of Heavy Disease Risk and Countermeasures of Insurance Companies [Abstract] In recent years, with the promotion of national policies, China's insurance industry has been rapid development, insurance products are becoming more and more diversified. As far as the development of personal insurance products is concerned, it shows a trend of increasing year by year. Among them, health insurance and accident insurance occupy the main share of personal insurance market. In health insurance, heavy health insurance plays an important role. This paper analyzes and summarizes the data mainly through the literature review method and the data analysis method, studies the heavy disease insurance duplicate insurance behavior and the insurance company countermeasure. It is found that there are few explicit rules for repeated insurance, so we study and analyze the risk-a...