Calculation formula of maternity insurance for the elderly
Maternity insurance for the elderly refers to the insurance system established for the risks that women aged 35 and above may face in the process of childbirth. Insurance companies calculate individual premiums according to women's age, health status and fertility intention. The following is the specific details of the formula for calculating the maternity insurance for the elderly:
1. Age coefficient: a coefficient is determined according to the age of women. Generally, the older the age, the higher the coefficient. Premium=basic premium * age coefficient.
2. Health coefficient: a coefficient is determined according to women's health status. If there are chronic diseases or other health problems, the coefficient will increase accordingly. Premium=basic premium * age coefficient * health coefficient.
3. Coefficient of fertility desire: a coefficient is determined according to women's fertility desire. If women have children or say they do not intend to have children, the coefficient will be smaller. Premium=basic premium * age coefficient * health coefficient * fertility willingness coefficient.
4. Coverage coefficient: a coefficient is determined according to the coverage selected by women. The higher the coverage, the greater the coefficient. Premium=basic premium * age coefficient * health coefficient * fertility willingness coefficient * coverage coefficient.
Maternity insurance for the elderly
The cost of maternity insurance for the elderly varies with different regions and hospitals. The following is a specific cost example:
Taking XX Hospital in a city as an example, the basic premium for women 35 years old to buy the elderly maternity insurance is 2000 yuan. If the age coefficient of a woman is 2, the health coefficient is 1.5, the fertility willingness coefficient is 1.2, and the insurance coverage coefficient is 1.2, then the premium of the woman=2000 * 2 * 1.5 * 1.2 * 1.2=8640 yuan.
It should be noted that the above fees are for reference only, and the specific insurance fees may vary according to the specific conditions of different regions, hospitals and individuals.
The Significance of Maternity Insurance for the Elderly
The establishment of maternity insurance for the elderly is mainly to deal with the risks that women may face in the process of childbirth. With the growth of age, female fertility will also be affected to a certain extent, such as pregnancy complications, reproductive organ function decline, etc. Maternity insurance for the elderly can provide women with certain economic compensation and security, and reduce their burden in the process of childbirth.
In addition, the maternity insurance for the elderly also plays a positive role in controlling the aging of the population and promoting the stable development of the population. With the progress of society and the improvement of living standards, more and more women choose to postpone childbearing. Maternity insurance for the elderly not only meets the needs of women, but also helps to maintain a moderate birth rate and balance of population structure.
Summary
The calculation formula of maternity insurance for the elderly takes into account such factors as women's age, health status, fertility desire and coverage, and determines the premium by multiplying a series of coefficients. The specific costs vary from region to region and hospital to hospital.
The purpose of the maternity insurance for the elderly is to provide economic security for women, reduce the burden in the process of childbirth, and promote the stable development of the population. It is an insurance system beneficial to women and social development.
