核保是指评估一份投保申请,决定是否承担这一风险,并在风险可承担情况下,决定保险费率的过程。健康保险的核保,其实质就是应用医学手段,最大限度地排除或区分混杂在投保人群中,将来有必然的,大量的医疗费支出者的一项复杂的技术工作。 一、核保的意义 保险业务的核定经营,不仅需要有数量可观的业务量,还要注意承保质量。因为,保险费是根据收 Underwriting refers to the process of evaluating an application for insurance, deciding whether to take on the risk and, if so, what the insurance premium will be. The health insurance underwriting, in essence, is the application of medical means to maximize the exclusion or distinction between the insured population, the future there is a certain, a large number of medical expenses who spend a complex technical work. First, the significance of the nuclear insurance The approved operation of the insurance business, not only requires a considerable amount of business volume, but also pay attention to the quality of underwriting. Because, premiums are based on income