中国保监会关于发布《中国人身保险业重大疾病经验发生率表(2006-2010)》的通知
中国保监会关于发布《中国人身保险业重大疾病经验发生率表(2006-2010)》的通知(保监发 81号2013年10月31日发布)各人身保险公司: 现发布《中国人身保险业重大疾病经验发生率表(2006-2010)》。有关说明如下: 一、中国第一张人身保险业重大疾病经验发生率表命名为《中国人身保险业重大疾病经验发生率表(2006-2010)》,英文名称为“China Life Insurance Experienced Critical Illness Table(2006-2010)”,简称“CI(2006-2010)表”。其中,6病种经验发生率表两张,25病种经验发生率表两张,分别为: 1.6病种经验发生率男表,简称CI1(2006-2010); 2.6病种经验发生率女表,简称CI2(2006-2010); 3.25病种经验发生率男表,简称CI3(2006-2010); 4.25病种经验发生率女表,简称CI4(2006-2010)。 二、6病种是指根据中国保险行业协会颁布的重大疾病有关定义所规定的第1-6种重大疾病,即恶性肿瘤、急性心肌梗塞、脑中风后遗症、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术(或称冠状动脉旁路移植术)和终末期肾病(或称慢性肾功能衰竭尿毒症期)。 25病种是指根据中国保险行业协会颁布的重大疾病有关定义所规定的全部25种重大疾病。 三、ix是指重大疾病的经验发生率。kx是指在包含重大疾病保险责任的人身保险产品中,因患重大疾病死亡的人数占全部死亡人数的比率。 中国保监会 2013年10月31日附件:中国人身保险业重大疾病经验发生率表(2006-2010) 年龄 ix kx 年龄 ix kx 年龄 ix kx0 0.000350 2.00% 35 0.001218 32.52% 70 0.034692 60.61%
1 0.000312 8.47% 36 0.001351 34.28% 71 0.036997 59.56%
2 0.000276 10.91% 37 0.001508 36.18% 72 0.039483 58.41%
3 0.000244 11.94% 38 0.001691 38.21% 73 0.041442 57.17%
4 0.000229 12.57% 39 0.001905 40.31% 74 0.043501 55.86%
5 0.000223 13.10% 40 0.002151 42.43% 75 0.045666 54.47%
6 0.000217 13.92% 41 0.002434 44.49% 76 0.047943 53.02%
7 0.000213 14.97% 42 0.002757 46.44% 77 0.050338 51.54%
8 0.000210 15.78% 43 0.003123 48.23% 78 0.052172 50.04%
9 0.000209 16.73% 44 0.003535 49.86% 79 0.054090 48.57%
10 0.000210 17.66% 45 0.003997 51.36% 80 0.056377 47.14%
11 0.000212 18.53% 46 0.004512 52.80% 81 0.058783 45.78%
12 0.000217 19.30% 47 0.005084 54.23% 82 0.061314 44.50%
13 0.000224 19.92% 48 0.005715 55.68% 83 0.063460 43.32%
14 0.000232 20.36% 49 0.006406 57.15% 84 0.065722 42.23%
15 0.000244 20.58% 50 0.007155 58.57% 85 0.068104 41.21%
16 0.000257 20.52% 51 0.007960 59.91% 86 0.070612 40.25%
17 0.000274 20.15% 52 0.008818 61.13% 87 0.073252 39.31%
18 0.000293 19.52% 53 0.009726 62.23% 88 0.076030 38.37%
19 0.000315 18.75% 54 0.010681 63.16% 89 0.078952 37.40%
20 0.000340 18.01% 55 0.011682 63.90% 90 0.081576 36.40%
21 0.000368 17.53% 56 0.012725 64.42% 91 0.084315 35.37%
22 0.000399 17.49% 57 0.013809 64.71% 92 0.087175 34.31%
23 0.000434 17.98% 58 0.014930 64.80% 93 0.090160 33.26%
24 0.000472 18.96% 59 0.016086 64.73% 94 0.093276 31.87%
25 0.000514 20.26% 60 0.017274 64.58% 95 0.096528 30.19%
26 0.000560 21.68% 61 0.018492 64.39% 96 0.099922 28.65%
27 0.000610 23.04% 62 0.019737 64.24% 97 0.103466 27.25%
28 0.000663 24.23% 63 0.021006 64.13% 98 0.107164 25.97%
29 0.000721 25.25% 64 0.022298 64.02% 99 0.111026 24.81%
30 0.000783 26.18% 65 0.023845 63.84% 100 0.114981 23.75%
31 0.000850 27.15% 66 0.025712 63.51% 101 0.119140 22.80%
32 0.000924 28.23% 67 0.027942 63.02% 102 0.123482 21.95%
33 0.001007 29.48% 68 0.029876 62.36% 103 0.128017 21.20%
34 0.001104 30.92% 69 0.031957 61.55% 104 0.132753 20.55%
105 0.137700 13.77%
6病种经验发生率女表(CI2)
年龄 ix kx 年龄 ix kx 年龄 ix kx
0 0.000479 2.00% 35 0.001454 41.55% 70 0.022095 55.10%
1 0.000383 15.16% 36 0.001612 43.13% 71 0.023621 54.31%
2 0.000314 16.21% 37 0.001785 44.82% 72 0.025271 53.49%
3 0.000263 17.33% 38 0.001974 46.63% 73 0.026600 52.60%
4 0.000222 18.54% 39 0.002180 48.51% 74 0.028010 51.56%
5 0.000195 19.82% 40 0.002403 50.40% 75 0.029505 50.35%
6 0.000182 21.20% 41 0.002644 52.20% 76 0.031093 48.95%
7 0.000175 22.71% 42 0.002905 53.84% 77 0.032755 47.38%
8 0.000180 23.98% 43 0.003185 55.29% 78 0.033889 45.68%
9 0.000192 25.37% 44 0.003485 56.53% 79 0.035080 43.92%
10 0.000210 26.58% 45 0.003807 57.60% 80 0.036505 42.18%
11 0.000231 27.52% 46 0.004149 58.55% 81 0.037997 40.52%
12 0.000252 28.09% 47 0.004485 59.42% 82 0.039569 39.00%
13 0.000271 28.27% 48 0.004807 60.27% 83 0.041026 37.63%
14 0.000288 28.08% 49 0.005124 61.07% 84 0.042558 36.38%
15 0.000304 27.59% 50 0.005442 61.83% 85 0.044169 35.18%
16 0.000319 26.89% 51 0.005770 62.51% 86 0.045862 34.01%
17 0.000334 26.07% 52 0.006117 63.12% 87 0.047640 32.83%
18 0.000349 25.24% 53 0.006489 63.67% 88 0.049314 31.64%
19 0.000366 24.48% 54 0.006895 64.12% 89 0.051065 30.43%
20 0.000385 23.89% 55 0.007343 64.45% 90 0.052629 29.20%
21 0.000407 23.59% 56 0.007840 64.63% 91 0.054253 27.96%
22 0.000433 23.68% 57 0.008395 64.63% 92 0.055939 26.73%
23 0.000463 24.21% 58 0.009016 64.48% 93 0.057687 25.54%
24 0.000499 25.16% 59 0.009711 64.16% 94 0.059501 24.13%
25 0.000540 26.42% 60 0.010487 63.70% 95 0.061381 22.55%
26 0.000589 27.89% 61 0.011353 63.13% 96 0.063331 21.11%
27 0.000644 29.43% 62 0.012316 62.45% 97 0.065353 19.80%
28 0.000709 30.99% 63 0.013385 61.66% 98 0.067449 18.61%
29 0.000782 32.52% 64 0.014567 60.77% 99 0.069623 17.53%
30 0.000865 34.04% 65 0.015871 59.78% 100 0.071820 16.54%
31 0.000958 35.55% 66 0.016887 58.75% 101 0.074126 15.66%
32 0.001063 37.06% 67 0.018082 57.73% 102 0.076516 14.87%
33 0.001180 38.55% 68 0.019389 56.78% 103 0.078995 14.17%
34 0.001310 40.04% 69 0.020791 55.91% 104 0.081565 13.54%
105 0.084200 8.42%
25病种经验发生率男表(CI3)
年龄 ix kx 年龄 ix kx 年龄 ix kx
0 0.000595 2.60% 35 0.001396 35.78% 70 0.038500 67.25%
1 0.000530 11.01% 36 0.001550 37.71% 71 0.041480 66.67%
2 0.000469 14.18% 37 0.001732 39.80% 72 0.044662 65.92%
3 0.000420 15.63% 38 0.001945 42.03% 73 0.047245 65.03%
4 0.000393 16.42% 39 0.002190 44.34% 74 0.049972 64.06%
5 0.000378 17.03% 40 0.002474 46.67% 75 0.052903 63.05%
6 0.000359 17.87% 41 0.002800 48.95% 76 0.056087 62.01%
7 0.000344 18.98% 42 0.003172 51.11% 77 0.059566 60.99%
8 0.000331 19.76% 43 0.003595 53.10% 78 0.062548 60.01%
9 0.000319 20.64% 44 0.004070 54.91% 79 0.065766 59.06%
10 0.000310 21.48% 45 0.004600 56.54% 80 0.069520 58.14%
11 0.000303 22.21% 46 0.005183 58.01% 81 0.073459 57.21%
12 0.000301 22.82% 47 0.005817 59.34% 82 0.077563 56.29%
13 0.000302 23.30% 48 0.006502 60.57% 83 0.081201 55.43%
14 0.000307 23.62% 49 0.007235 61.69% 84 0.085051 54.65%
15 0.000318 23.72% 50 0.008018 62.70% 85 0.089178 53.97%
16 0.000334 23.54% 51 0.008854 63.64% 86 0.093649 53.38%
17 0.000354 23.02% 52 0.009753 64.54% 87 0.098518 52.87%
18 0.000379 22.18% 53 0.010719 65.42% 88 0.103839 52.41%
19 0.000408 21.16% 54 0.011752 66.25% 89 0.109632 51.94%
20 0.000441 20.18% 55 0.012842 66.98% 90 0.115226 51.42%
21 0.000478 19.50% 56 0.013971 67.55% 91 0.121086 50.79%
22 0.000519 19.33% 57 0.015120 67.95% 92 0.127085 50.04%
23 0.000565 19.80% 58 0.016274 68.16% 93 0.133086 49.13%
24 0.000616 20.84% 59 0.017430 68.22% 94 0.138967 47.49%
25 0.000670 22.26% 60 0.018591 68.16% 95 0.144605 45.23%
26 0.000726 23.83% 61 0.019770 68.06% 96 0.149921 43.00%
27 0.000782 25.33% 62 0.020984 67.97% 97 0.155199 40.88%
28 0.000838 26.65% 63 0.022254 67.95% 98 0.159675 38.70%
29 0.000893 27.78% 64 0.023600 67.97% 99 0.164318 36.72%
30 0.000949 28.80% 65 0.025290 68.02% 100 0.169022 34.91%
31 0.001009 29.86% 66 0.027409 68.04% 101 0.173944 33.29%
32 0.001078 31.05% 67 0.030020 68.01% 102 0.179050 31.83%
33 0.001162 32.43% 68 0.032422 67.90% 103 0.184345 30.53%
34 0.001267 34.01% 69 0.035071 67.66% 104 0.189837 29.39%
105 0.195500 19.55%
25病种经验发生率女表(CI4)
年龄 ix kx 年龄 ix kx 年龄 ix kx
0 0.000815 2.60% 35 0.001596 43.58% 70 0.025119 61.09%
1 0.000651 19.70% 36 0.001770 45.24% 71 0.027204 60.70%
2 0.000533 21.07% 37 0.001962 47.04% 72 0.029458 60.25%
3 0.000448 22.53% 38 0.002171 48.95% 73 0.031386 59.76%
4 0.000377 24.10% 39 0.002398 50.94% 74 0.033501 59.24%
5 0.000332 25.77% 40 0.002643 52.92% 75 0.035859 58.71%
6 0.000304 27.20% 41 0.002909 54.81% 76 0.038512 58.16%
7 0.000286 28.80% 42 0.003195 56.54% 77 0.041472 57.58%
8 0.000289 30.02% 43 0.003503 58.06% 78 0.043977 56.97%
9 0.000301 31.32% 44 0.003834 59.36% 79 0.046729 56.29%
10 0.000322 32.32% 45 0.004188 60.48% 80 0.049920 55.55%
11 0.000346 32.97% 46 0.004564 61.47% 81 0.053258 54.75%
12 0.000369 33.22% 47 0.004933 62.40% 82 0.056702 53.91%
13 0.000390 33.07% 48 0.005288 63.28% 83 0.059933 53.08%
14 0.000408 32.57% 49 0.005636 64.13% 84 0.063221 52.24%
15 0.000424 31.80% 50 0.005986 64.92% 85 0.066581 51.38%
16 0.000438 30.85% 51 0.006348 65.63% 86 0.070056 50.46%
17 0.000451 29.78% 52 0.006731 66.28% 87 0.073705 49.50%
18 0.000465 28.67% 53 0.007143 66.84% 88 0.077300 48.52%
19 0.000480 27.62% 54 0.007592 67.31% 89 0.081165 47.51%
20 0.000496 26.77% 55 0.008081 67.64% 90 0.084876 46.45%
21 0.000515 26.24% 56 0.008616 67.84% 91 0.088764 45.31%
22 0.000538 26.20% 57 0.009197 67.90% 92 0.092736 44.06%
23 0.000568 26.69% 58 0.009830 67.83% 93 0.096689 42.66%
24 0.000605 27.69% 59 0.010520 67.61% 94 0.100547 40.78%
25 0.000651 29.05% 60 0.011280 67.24% 95 0.104229 38.29%
26 0.000704 30.61% 61 0.012127 66.72% 96 0.107687 35.90%
27 0.000764 32.19% 62 0.013086 66.08% 97 0.111101 33.66%
28 0.000831 33.70% 63 0.014186 65.33% 98 0.113990 31.45%
29 0.000905 35.10% 64 0.015460 64.52% 99 0.116966 29.46%
30 0.000987 36.44% 65 0.016933 63.70% 100 0.119940 27.63%
31 0.001078 37.77% 66 0.018181 62.94% 101 0.123049 26.00%
32 0.001182 39.12% 67 0.019700 62.30% 102 0.125869 24.47%
33 0.001302 40.53% 68 0.021419 61.82% 103 0.128762 23.10%
34 0.001439 42.01% 69 0.023306 61.45% 104 0.131727 21.88%
105 0.134800 13.48%
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