{"id":5645,"date":"2024-01-23T08:57:48","date_gmt":"2024-01-23T01:57:48","guid":{"rendered":"http:\/\/ligaasuransi.com\/?p=5645"},"modified":"2024-01-24T09:43:49","modified_gmt":"2024-01-24T02:43:49","slug":"pro-dan-kontra-rbc-sebagai-indikator-kesehatan-asuransi","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/zh\/pro-dan-kontra-rbc-sebagai-indikator-kesehatan-asuransi\/","title":{"rendered":"\u5206\u6790\u7d05\u8840\u7403\u4f5c\u70ba\u4fdd\u96aa\u5065\u5eb7\u6307\u6a19\u7684\u5229\u5f0a"},"content":{"rendered":"

\u9019\u7bc7\u6587\u7ae0\u5beb\u5728 Kompas.com \u4e0a\uff0c\u6a19\u984c\u70ba “Plus Minus RBC Sebagai Ukuran Kesehatan Asuransi ” tanggal 12\/11\/2022 (https:\/\/money.kompas.com\/read\/2022\/11\/12\/101727626\/plus-minus-rbc-sebagai-ukuran-kesehatan-asuransi?page=all)<\/em><\/p>\n

\u4fdd\u96aa\u806f\u76df<\/span><\/a> – \u57fa\u65bc\u98a8\u96aa\u7684\u8cc7\u672c\uff08RBC\uff09\u662f\u5370\u5c3c\u4fdd\u96aa\u696d\u8a55\u4f30\u548c\u7ba1\u7406\u4fdd\u96aa\u516c\u53f8\u9762\u81e8\u7684\u98a8\u96aa\u7684\u95dc\u9375\u65b9\u6cd5\u3002 RBC\u7684\u9996\u8981\u76ee\u6a19\u662f\u7dad\u8b77\u6d88\u8cbb\u8005\u5229\u76ca\u548c\u7dad\u8b77\u4fdd\u96aa\u696d\u7684\u7a69\u5b9a\u3002\u9019\u7a2e\u505a\u6cd5\u78ba\u4fdd\u4fdd\u96aa\u516c\u53f8\u64c1\u6709\u8db3\u5920\u7684\u8cc7\u672c\u4f86\u61c9\u5c0d\u98a8\u96aa\u4e26\u5c65\u884c\u5c0d\u6295\u4fdd\u4eba\u7684\u7fa9\u52d9\u3002<\/span><\/p>\n

RBC \u8a08\u7b97\u904e\u7a0b\u9996\u5148\u78ba\u5b9a\u516c\u53f8\u9762\u81e8\u7684\u5404\u7a2e\u985e\u578b\u7684\u98a8\u96aa\uff0c\u5305\u62ec\u7d22\u8ce0\u3001\u6295\u8cc7\u548c\u71df\u904b\u98a8\u96aa\u3002\u6bcf\u500b\u98a8\u96aa\u6839\u64da\u5176\u98a8\u96aa\u7b49\u7d1a\u5206\u914d\u4e00\u500b\u6b0a\u91cd\uff0c\u7136\u5f8c\u8a08\u7b97\u5fc5\u8981\u7684\u8cc7\u672c\u8981\u6c42\u3002\u91d1\u878d\u670d\u52d9\u7ba1\u7406\u5c40 (OJK) \u5728\u5370\u5c3c\u5236\u5b9a RBC \u6a19\u6e96\u65b9\u9762\u767c\u63ee\u8457\u81f3\u95dc\u91cd\u8981\u7684\u4f5c\u7528\u3002<\/span><\/p>\n

RBC \u5305\u62ec\u5169\u500b\u4e3b\u8981\u7d44\u6210\u90e8\u5206\uff1a\u6838\u5fc3\u8cc7\u672c\u548c\u9644\u52a0\u8cc7\u672c\u3002\u6838\u5fc3\u8cc7\u672c\u6d89\u53ca\u6700\u7a69\u5b9a\u548c\u6700\u5bb9\u6613\u7372\u5f97\u7684\u8cc7\u91d1\uff0c\u800c\u984d\u5916\u8cc7\u672c\u53ef\u80fd\u5305\u62ec\u66f4\u9748\u6d3b\u7684\u8981\u7d20\u3002\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u78ba\u4fdd\u5176\u8cc7\u672c\u7b26\u5408 OJK \u898f\u5b9a\u7684\u8981\u6c42\u3002<\/span><\/p>\n

\u5be6\u65bd RBC \u9700\u8981\u4fdd\u96aa\u516c\u53f8\u7684\u7a4d\u6975\u53c3\u8207\uff0c\u4ee5\u78ba\u4fdd\u9075\u5b88\u65e2\u5b9a\u6a19\u6e96\u3002 OJK \u9032\u884c\u5b9a\u671f\u76e3\u7763\uff0c\u4ee5\u78ba\u4fdd\u4fdd\u96aa\u516c\u53f8\u5c65\u884c\u5176\u8cc7\u672c\u7fa9\u52d9\u3002\u5982\u679c\u516c\u53f8\u672a\u80fd\u6eff\u8db3\u8981\u6c42\uff0cOJK \u53ef\u4ee5\u6839\u64da\u9069\u7528\u6cd5\u898f\u63a1\u53d6\u7cfe\u6b63\u63aa\u65bd\u3002<\/span><\/p>\n

RBC \u7684\u61c9\u7528\u63d0\u4f9b\u4e86\u591a\u7a2e\u597d\u8655\uff0c\u5305\u62ec\u98a8\u96aa\u7ba1\u7406\u7684\u900f\u660e\u5ea6\u3001\u63d0\u9ad8\u4fdd\u96aa\u696d\u7684\u53ef\u6301\u7e8c\u6027\u4ee5\u53ca\u5c0d\u4fdd\u55ae\u6301\u6709\u4eba\u7684\u4fdd\u969c\u3002\u900f\u904e\u52a0\u62ff\u5927\u7687\u5bb6\u9280\u884c\uff0c\u5370\u5c3c\u4fdd\u96aa\u696d\u65e8\u5728\u5275\u9020\u4e00\u500b\u5065\u5eb7\u3001\u6c38\u7e8c\u7684\u74b0\u5883\uff0c\u4f7f\u4f01\u696d\u6709\u8db3\u5920\u7684\u8ca1\u52d9\u80fd\u529b\u61c9\u5c0d\u98a8\u96aa\u4e26\u4fdd\u6301\u71df\u904b\u7a69\u5b9a\u3002\u56e0\u6b64\uff0cRBC \u6210\u70ba\u7dad\u8b77\u4fdd\u96aa\u696d\u8aa0\u4fe1\u548c\u516c\u773e\u4fe1\u4efb\u7684\u91cd\u8981\u5de5\u5177\u3002<\/span><\/p>\n

\u8fd1\u5e74\u4f86\uff0c\u7531\u65bc COVID-19 \u5927\u6d41\u884c\u7684\u5f71\u97ff\uff0c\u5370\u5c3c\u4fdd\u96aa\u696d\u7684\u511f\u4ed8\u80fd\u529b\u6c34\u6e96\u6216\u57fa\u65bc\u98a8\u96aa\u7684\u8cc7\u672c\uff08RBC\uff09\u51fa\u73fe\u4e0b\u964d\u3002\u5728\u9019\u7a2e\u5145\u6eff\u6311\u6230\u7684\u74b0\u5883\u4e0b\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u6295\u8cc7\u7b56\u7565\u9810\u8a08\u5c07\u66f4\u52a0\u5be9\u614e\u3002\u6839\u64daOJK\u7684\u6b77\u53f2\u6578\u64da\uff0c\u75ab\u60c5\u524d\uff0c2019\u5e74\u5e95\u58fd\u96aa\u511f\u4ed8\u80fd\u529b\u7387\u70ba789.37%\u3002\u5118\u7ba1\u5982\u6b64\uff0c2020\u5e74\u4ecd\u4e0b\u964d\u81f3528.59%\uff0c2021\u5e74\u9032\u4e00\u6b65\u4e0b\u964d\u81f3539.75%\uff0c\u6700\u7d42\u622a\u81f32022\u5e748\u6708\u9054\u5230485.51%\u3002\u4e00\u822c\u4fdd\u96aa\u7684\u511f\u50b5\u80fd\u529b\u7387\u4e5f\u51fa\u73fe\u985e\u4f3c\u4e0b\u964d\u3002 2019\u5e74\u672b\uff0c\u8ca1\u7522\u4fdd\u96aa\u511f\u4ed8\u80fd\u529b\u7387\u70ba345.35%\u3002\u52302020\u5e74\u5e95\uff0c\u9019\u4e00\u6578\u5b57\u4e0b\u964d\u5230343%\uff0c2021\u5e74\u4e0b\u964d\u5230327.30%\uff0c\u622a\u81f32022\u5e748\u6708\u6700\u7d42\u9054\u5230310.08%\u3002<\/span><\/p>\n

OJK \u8a2d\u5b9a\u4e86\u4f7f\u7528 RBC \u6bd4\u7387\u8a08\u7b97\u7684\u6700\u4f4e\u511f\u4ed8\u80fd\u529b\u6c34\u6e96\u3002\u6bcf\u5bb6\u4fdd\u96aa\u516c\u53f8\u90fd\u5fc5\u9808\u6eff\u8db3 120% \u7684\u6700\u4f4e RBC \u6bd4\u7387\u3002\u7c21\u55ae\u5730\u8aaa\uff0cRBC\u662f\u5f9e\u5141\u8a31\u7684\u7e3d\u8cc7\u7522\u4e2d\u6e1b\u53bb\u7e3d\u8ca0\u50b5\uff0c\u7136\u5f8c\u8207\u6700\u5c0f\u98a8\u96aa\u8cc7\u672c\uff08MMBR\uff09\u9032\u884c\u6bd4\u8f03\u800c\u5f97\u5230\u7684\u3002 MMBR\u672c\u8eab\u5305\u62ec\u4fe1\u7528\u98a8\u96aa\u3001\u6d41\u52d5\u6027\u98a8\u96aa\u3001\u5e02\u5834\u98a8\u96aa\u3001\u4fdd\u96aa\u98a8\u96aa\u3001\u64cd\u4f5c\u98a8\u96aa\u7b49\u98a8\u96aa\u6307\u6a19\u3002 RBC \u6216\u511f\u4ed8\u80fd\u529b\u6c34\u6e96\u662f\u8a55\u4f30\u4fdd\u96aa\u516c\u53f8\u5c65\u884c\u672a\u4f86\u7fa9\u52d9\u7684\u8ca1\u52d9\u5b89\u5168\u6216\u8ca1\u52d9\u5065\u5eb7\u72c0\u6cc1\u7684\u8861\u91cf\u6a19\u6e96\u3002 RBC\u6bd4\u7387\u8d8a\u9ad8\uff0c\u4fdd\u96aa\u516c\u53f8\u5c65\u884c\u9577\u671f\u7fa9\u52d9\uff08\u511f\u50b5\u80fd\u529b\uff09\u7684\u8cc7\u672c\u5be6\u529b\u5c31\u8d8a\u5f37\u3002\u672c\u516c\u53f8\u826f\u597d\u7684\u8ca1\u52d9\u72c0\u6cc1\u5c0d\u65bc\u78ba\u4fdd\u7406\u8ce0\u8655\u7406\u9806\u5229\u4e26\u63d0\u4f9b\u6700\u4f73\u7684\u4fdd\u96aa\u4fdd\u969c\u670d\u52d9\u81f3\u95dc\u91cd\u8981\u3002<\/span><\/p>\n

 <\/p>\n

RBC \u5728\u5e6b\u52a9\u5ba2\u6236\u4e86\u89e3\u63d0\u4f9b\u4fdd\u96aa\u7522\u54c1\u7684\u4fdd\u96aa\u516c\u53f8\u7684\u8ca1\u52d9\u5065\u5eb7\u6c34\u6e96\u65b9\u9762\u4e5f\u767c\u63ee\u8457\u81f3\u95dc\u91cd\u8981\u7684\u4f5c\u7528\u3002\u9ad8\u511f\u4ed8\u80fd\u529b\u6c34\u6e96\u8868\u793a\u8ca1\u52d9\u72c0\u6cc1\u5065\u5eb7\uff0c\u800c\u4f4e\u511f\u4ed8\u80fd\u529b\u6c34\u6e96\u53ef\u80fd\u6703\u5f15\u8d77\u64d4\u6182\u3002\u900f\u904e\u8861\u91cf\u511f\u4ed8\u80fd\u529b\u6c34\u5e73\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u78ba\u4fdd\u5176\u5c65\u884c\u7fa9\u52d9\u7684\u80fd\u529b\uff0c\u5305\u62ec\u652f\u4ed8\u5ba2\u6236\u7d22\u8ce0\u3002\u6b64\u5916\uff0cRBC\u4e5f\u7528\u65bc\u78ba\u5b9a\u7834\u7522\u98a8\u96aa\uff0c\u8a55\u4f30\u4fdd\u96aa\u516c\u53f8\u7684\u8cc7\u91d1\u9700\u6c42\uff0c\u5354\u52a9\u76e3\u7406\u6a5f\u95dc\u8a55\u4f30\u5be6\u969b\u6b0a\u76ca\uff0c\u4e26\u5411\u5ba2\u6236\u63d0\u4f9b\u6709\u95dc\u4fdd\u96aa\u516c\u53f8\u8ca1\u52d9\u72c0\u6cc1\u7684\u8cc7\u8a0a\u3002<\/span><\/p>\n

RBC \u7684\u8a08\u7b97\u6d89\u53ca\u56db\u500b\u95dc\u9375\u90e8\u5206\u3002\u9996\u5148\u662f\u8cc7\u7522\u9055\u7d04\uff0c\u5b83\u8a08\u7b97\u9810\u6e2c\u8cc7\u7522\u50f9\u503c\u4e0b\u964d\u548c\/\u6216\u76f8\u95dc\u6536\u5165\u640d\u5931\u6240\u9700\u7684\u8cc7\u672c\u3002\u7b2c\u4e8c\u500b\u662f\u8ca8\u5e63\u932f\u914d\uff0c\u8a08\u7b97\u7684\u662f\u9810\u6e2c\u8ca8\u5e63\u6ce2\u52d5\u98a8\u96aa\u6240\u9700\u7684\u8cc7\u672c\u3002\u7b2c\u4e09\u662f\u7d22\u8ce0\u9ad4\u9a57\u6bd4\u9810\u671f\u66f4\u5dee\uff0c\u5982\u679c\u6709\u7d22\u8ce0\u8d85\u51fa\u9810\u671f\u7684\u98a8\u96aa\uff0c\u5247\u8a08\u7b97\u984d\u5916\u8cc7\u672c\u3002<\/span><\/p>\n

\u4fdd\u96aa\u516c\u53f8\u7684\u5275\u6295\uff08RBC\uff09\u6c34\u6e96\u4e0b\u964d\u81f3\u91d1\u878d\u670d\u52d9\u7ba1\u7406\u5c40\uff08OJK\uff09\u6240\u8a2d\u5b9a\u7684\u6a19\u6e96\u4ee5\u4e0b\uff0c\u5c0d\u5404\u500b\u71df\u904b\u9762\u5411\u548c\u516c\u773e\u4fe1\u4efb\u7522\u751f\u56b4\u91cd\u5f71\u97ff\u3002<\/span><\/p>\n

\u4f4e\u7d05\u8840\u7403\u7684\u5f71\u97ff\uff1a<\/b><\/p>\n

\u7576RBC\u6c34\u6e96\u4f4e\u65bc\u9810\u671f\u6642\uff0c\u53cd\u6620\u51fa\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u6c92\u6709\u8db3\u5920\u7684\u8cc7\u672c\u4f86\u6709\u6548\u61c9\u5c0d\u98a8\u96aa\u3002\u4e3b\u8981\u5f71\u97ff\u662f\u516c\u53f8\u7121\u6cd5\u5c65\u884c\u5176\u8ca1\u52d9\u7fa9\u52d9\uff0c\u7279\u5225\u662f\u5411\u4fdd\u55ae\u6301\u6709\u4eba\u652f\u4ed8\u7d22\u8ce0\u3002\u9019\u7a2e\u60c5\u6cc1\u53ef\u80fd\u6703\u5c0e\u81f4\u6d41\u52d5\u6027\u98a8\u96aa\uff0c\u5373\u516c\u53f8\u56e0\u73fe\u91d1\u6216\u6d41\u52d5\u8cc7\u7522\u6709\u9650\u800c\u96e3\u4ee5\u652f\u4ed8\u7d22\u8ce0\u6216\u5176\u4ed6\u7fa9\u52d9\u3002<\/span><\/p>\n

\u6b64\u5916\uff0c\u8f03\u4f4e\u7684\u7d05\u8840\u7403\u6c34\u5e73\u53ef\u80fd\u6703\u524a\u5f31\u516c\u773e\u5c0d\u4fdd\u96aa\u516c\u53f8\u7684\u4fe1\u4efb\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u548c\u516c\u773e\u53ef\u80fd\u6703\u64d4\u5fc3\u516c\u53f8\u5c65\u884c\u652f\u4ed8\u7d22\u8ce0\u548c\u5176\u4ed6\u8ca1\u52d9\u7fa9\u52d9\u7684\u627f\u8afe\u7684\u80fd\u529b\u3002\u9019\u4e0d\u50c5\u640d\u5bb3\u4e86\u516c\u53f8\u7684\u8072\u8b7d\uff0c\u9084\u6703\u5c0e\u81f4\u5ba2\u6236\u4fe1\u4efb\u5ea6\u4e0b\u964d\u3002<\/span><\/p>\n

RBC \u6c34\u6e96\u4e0b\u964d\u4e5f\u53ef\u80fd\u8868\u793a\u516c\u53f8\u53ef\u80fd\u7121\u6cd5\u6e96\u78ba\u8a55\u4f30\u98a8\u96aa\u6216\u7f3a\u4e4f\u9069\u7576\u7684\u98a8\u96aa\u7ba1\u7406\u7b56\u7565\u3002\u9019\u589e\u52a0\u4e86\u767c\u751f\u610f\u5916\u5de8\u984d\u640d\u5931\u7684\u53ef\u80fd\u6027\uff0c\u5371\u53ca\u516c\u53f8\u71df\u904b\u7684\u53ef\u6301\u7e8c\u6027\u3002<\/span><\/p>\n

\u4f5c\u70ba\u76e3\u7ba1\u6a5f\u69cb\uff0cOJK\u5f88\u53ef\u80fd\u5c0dRBC\u6c34\u5e73\u4f4e\u65bc\u6a19\u6e96\u7684\u4fdd\u96aa\u516c\u53f8\u63a1\u53d6\u66f4\u56b4\u683c\u7684\u76e3\u7ba1\u884c\u52d5\u3002\u9019\u4e9b\u884c\u52d5\u53ef\u80fd\u5305\u62ec\u6df1\u5165\u6aa2\u8996\u3001\u6539\u8b8a\u516c\u53f8\u6cbb\u7406\u6216\u5176\u4ed6\u5236\u88c1\uff0c\u4ee5\u78ba\u4fdd\u9075\u5b88\u9069\u7528\u7684\u6cd5\u898f\u3002<\/span><\/p>\n

\u5728\u6975\u7aef\u60c5\u6cc1\u4e0b\uff0c\u7d05\u8840\u7403\u6c34\u6e96\u6301\u7e8c\u4e0b\u964d\u5982\u679c\u4e0d\u52a0\u4ee5\u89e3\u6c7a\uff0c\u53ef\u80fd\u6703\u5c0e\u81f4\u8ca1\u52d9\u5371\u6a5f\uff0c\u5371\u53ca\u516c\u53f8\u7684\u6c38\u7e8c\u767c\u5c55\u3002\u5982\u679c\u516c\u53f8\u7121\u6cd5\u7372\u5f97\u984d\u5916\u8cc7\u672c\u6216\u53ca\u6642\u8abf\u6574\u5176\u696d\u52d9\u7b56\u7565\uff0c\u7834\u7522\u5c07\u6210\u70ba\u771f\u6b63\u7684\u98a8\u96aa\u3002<\/span><\/p>\n

\u56e0\u6b64\uff0c\u4fdd\u96aa\u516c\u53f8\u76e3\u63a7\u4e26\u9075\u5b88 OJK \u5236\u5b9a\u7684 RBC \u7b49\u7d1a\u8981\u6c42\u81f3\u95dc\u91cd\u8981\u3002\u5982\u679c RBC \u6c34\u6e96\u986f\u793a\u4f4e\u65bc\u65e2\u5b9a\u6a19\u6e96\uff0c\u5247\u9700\u8981\u8fc5\u901f\u63a1\u53d6\u7cfe\u6b63\u884c\u52d5\u548c\u8abf\u6574\uff0c\u4ee5\u78ba\u4fdd\u71df\u904b\u9023\u7e8c\u6027\u3001\u5c65\u884c\u5c0d\u6295\u4fdd\u4eba\u7684\u7fa9\u52d9\u4e26\u7dad\u8b77\u516c\u773e\u4fe1\u4efb\u3002<\/span><\/p>\n

\u7d50\u8ad6\uff1a<\/b><\/p>\n

\u53ef\u4ee5\u63a8\u65b7\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u98a8\u96aa\u8cc7\u672c\uff08RBC\uff09\u6c34\u6e96\u4f4e\u65bc\u91d1\u878d\u670d\u52d9\u7ba1\u7406\u5c40\uff08OJK\uff09\u6240\u8a2d\u5b9a\u7684\u6a19\u6e96\u53ef\u80fd\u6703\u7522\u751f\u56b4\u91cd\u5f8c\u679c\u3002\u7121\u6cd5\u5c65\u884c\u8ca1\u52d9\u7fa9\u52d9\u3001\u6d41\u52d5\u6027\u98a8\u96aa\u3001\u516c\u773e\u4fe1\u4efb\u5ea6\u4e0b\u964d\u4ee5\u53ca OJK \u53ef\u80fd\u63a1\u53d6\u7684\u56b4\u683c\u76e3\u7ba1\u884c\u52d5\u90fd\u662f\u9700\u8981\u95dc\u6ce8\u7684\u5f8c\u679c\u3002\u56e0\u6b64\uff0c\u76e3\u63a7\u548c\u9075\u5b88 RBC \u6a19\u6e96\u5c0d\u65bc\u7dad\u6301\u71df\u904b\u9023\u7e8c\u6027\u3001\u7dad\u8b77\u6295\u4fdd\u4eba\u4fe1\u4efb\u548c\u9810\u9632\u91d1\u878d\u5371\u6a5f\u81f3\u95dc\u91cd\u8981\u3002<\/span><\/p>\n

\u5728\u884c\u696d\u52d5\u614b\u548c\u5168\u7403\u4e0d\u78ba\u5b9a\u6027\u7684\u80cc\u666f\u4e0b\uff0c\u8a8d\u8b58\u5230\u98a8\u96aa\u7ba1\u7406\u548c\u6e96\u78ba\u8a55\u4f30\u7684\u91cd\u8981\u6027\u662f\u4fdd\u96aa\u516c\u53f8\u4fdd\u6301\u8ca1\u52d9\u7a69\u5b9a\u7684\u95dc\u9375\u3002<\/span><\/p>\n

—<\/span><\/p>\n

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