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COVID-19 \u5927\u6d41\u884c\u4f7f\u4f01\u4e1a\u4e89\u5148\u6050\u540e\u5730\u5411\u4fdd\u9669\u516c\u53f8\u5bfb\u6c42\u5e2e\u52a9\uff0c\u4ee5\u652f\u4ed8\u4ece\u4e1a\u52a1\u635f\u5931\u5230\u5de5\u4f5c\u7a7a\u95f4\u6d88\u6bd2\u7b49\u8d39\u7528\u3002 \u53cd\u8fc7\u6765\uff0c\u4fdd\u9669\u516c\u53f8\u6b63\u5728\u5bfb\u627e\u65b0\u7684\u65b9\u6cd5\u6765\u7ba1\u7406\u7d22\u8d54\u6d6a\u6f6e\u3002<\/p>\n\n

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\u4ee3\u8868\u8be5\u9910\u5385\u7684\u5f8b\u5e08 John W. Houghtaling II<\/a> \u8bf4\uff0c\u8be5\u8bc9\u8bbc\u5bfb\u6c42\u4e00\u9879\u5ba3\u544a\u6027\u5224\u51b3\uff0c\u4ee5\u9632\u6b62\u4fdd\u9669\u516c\u53f8\u544a\u8bc9\u4f01\u4e1a\u4e3b\uff0c\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u4e0d\u6d89\u53ca\u51a0\u72b6\u75c5\u6bd2\u9020\u6210\u7684\u505c\u5de5\u3002<\/p>\n\n

\u7136\u800c\uff0c\u5373\u4f7f\u4fdd\u5355\u6ca1\u6709\u660e\u786e\u6392\u9664\u4e0e\u51a0\u72b6\u75c5\u6bd2\u76f8\u5173\u7684\u7d22\u8d54\uff0c\u8bb8\u591a\u4fdd\u5355\u63d0\u4f9b\u7684\u627f\u4fdd\u8303\u56f4\u201c\u5145\u5176\u91cf\u53ef\u80fd\u662f\u6700\u4f4e\u9650\u5ea6\u7684\u201d\uff0cInsuranceCommentary.com \u7684\u521b\u59cb\u4eba\u517c\u9996\u5e2d\u6267\u884c\u5b98 Bill Wilson<\/a> \u8bf4\u3002<\/p>\n\n

\u5a01\u5c14\u900a\u5199\u9053\uff0c\u73b0\u6709\u7684\u4fdd\u9669\u6cd5\u5f8b\u548c\u6cd5\u89c4\u901a\u5e38\u53cd\u5bf9\u5c06\u75c5\u6bd2\u7684\u5b58\u5728\u89c6\u4e3a\u5bf9\u8d22\u4ea7\u7684\u4e00\u79cd\u7269\u7406\u635f\u5bb3\uff0c\u5c24\u5176\u662f\u5f53\u75c5\u6bd2\u672c\u8eab\u5728\u5927\u591a\u6570\u8868\u9762\u4e0a\u53ea\u80fd\u5b58\u6d3b\u51e0\u5929\u65f6\u2014\u2014\u5c31\u50cf COVID-19 \u7684\u60c5\u51b5\u4e00\u6837\u3002 \u5982\u679c\u6ca1\u6709\u9700\u8981\u627f\u4fdd\u7684\u6709\u5f62\u635f\u5931\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u65e0\u6cd5\u4e3a\u6709\u5f62\u635f\u5931\u63d0\u4f9b\u4fdd\u9669\u3002<\/p>\n\n

\"\"<\/figure>\n\n

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\u8fd9\u4e00\u4f30\u8ba1\u8d85\u8fc7\u4e86\u8be5\u884c\u4e1a\u5728 2005 \u5e74\u521b\u4e0b\u7684\u4e00\u5e74\u7d22\u8d54\u5904\u7406\u8bb0\u5f55\u3002 \u5f53\u5e74\uff0c\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u5904\u7406\u4e86\u8d85\u8fc7 300 \u4e07\u8d77\u7d22\u8d54\uff0c\u5176\u4e2d\u5927\u90e8\u5206\u4e0e\u5361\u7279\u91cc\u5a1c\u98d3\u98ce\u3001\u4e3d\u5854\u98d3\u98ce\u548c\u5a01\u5c14\u739b\u98d3\u98ce\u9020\u6210\u7684\u635f\u5931\u6709\u5173\u3002<\/p>\n\n

\u76ee\u524d\uff0c\u7f8e\u56fd\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4e1a\u7684\u603b\u76c8\u4f59\u5728 7500 \u4ebf\u81f3 8000 \u4ebf\u7f8e\u5143\u4e4b\u95f4;2019 \u5e74\uff0c\u5b83\u5728\u7d22\u8d54\u548c\u8d39\u7528\u4e0a\u82b1\u8d39\u4e86\u7ea6 6220 \u4ebf\u7f8e\u5143\u3002\u4fdd\u9669\u4fe1\u606f\u7814\u7a76\u6240 \uff08Insurance Information Institute\uff09 \u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 \u53f2\u8482\u6587\u00b7\u97e6\u65af\u5df4\u7279 \uff08Steven Weisbart<\/a>\uff09 \u8868\u793a\uff0c\u5927\u6d41\u884c\u75c5\u7d22\u8d54\u548c\u53e6\u4e00\u573a\u707e\u96be\u6027\u4e8b\u4ef6\uff08\u5982\u91cd\u5927\u98d3\u98ce\uff09\u7684\u7ed3\u5408\uff0c\u53ef\u80fd\u4f1a\u4f7f\u4fdd\u9669\u516c\u53f8\u6ca1\u6709\u8db3\u591f\u7684\u94b1\u6765\u652f\u4ed8\u7d22\u8d54\u3002 <\/p>\n\n

\u201c\u5728\u5168\u7403\u5927\u6d41\u884c\u75c5\u4e4b\u5916\u5b9e\u73b0\u591a\u5143\u5316\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u201dR Street Institute \u7684\u521b\u59cb\u6210\u5458\u517c\u91d1\u878d\u3001\u4fdd\u9669\u548c\u8d38\u6613\u653f\u7b56\u4e3b\u4efb Ray Lehmann<\/a> \u5199\u9053\u3002<\/p>\n\n

\u201c\u4ed6\u4eec\u540c\u65f6\u88ad\u51fb\u4e86\u6bcf\u4e2a\u5730\u533a\uff0c\u51e0\u4e4e\u540c\u65f6\u88ad\u51fb\u4e86\u6bcf\u4e2a\u884c\u4e1a\u3002\u518d\u4fdd\u9669\u516c\u53f8\u5728\u7ba1\u7406\u98ce\u9669\u65b9\u9762\u53ef\u80fd\u7a0d\u5fae\u597d\u4e00\u4e9b\uff0c\u4f46\u4ed6\u4eec\u4e5f\u5c06\u9762\u4e34\u8de8\u5730\u533a\u4ee5\u53ca\u8de8\u4ea7\u54c1\u7ebf\u7684\u6781\u5ea6\u7d22\u8d54\u76f8\u5173\u6027\u3002<\/p>\n\n

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\u300a\u6d41\u884c\u75c5\u98ce\u9669\u4fdd\u9669\u6cd5\u300b<\/h3>\n\n

\u62df\u8bae\u7684\u300a\u6d41\u884c\u75c5\u98ce\u9669\u4fdd\u9669\u6cd5\u300b\uff08PRIA\uff09 \u201c\u5c06\u6709\u6548\u5730\u4e3a\u4e0e\u7ecf\u8ba4\u8bc1\u7684\u5927\u6d41\u884c\u75c5\u6216\u6d41\u884c\u75c5\uff08\u5982 COVID-19\uff09\u9020\u6210\u7684\u635f\u5931\u76f8\u5173\u7684\u4fdd\u9669\u7d22\u8d54\u63d0\u4f9b\u8054\u90a6\u635f\u5931\u5206\u62c5\u8ba1\u5212\uff0c\u201d\u8d5b\u6cd5\u65af\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u5f8b\u5e08 Christa L. Dommers \u548c Thomas Michaelides<\/a> \u5199\u9053\u3002<\/p>\n\n

PRIA \u5c06\u8981\u6c42\u4fdd\u9669\u516c\u53f8\u4e3a\u67d0\u4e9b\u884c\u4e1a\u7684\u635f\u5931\u63d0\u4f9b\u4fdd\u9669\uff0c\u5f53\u8fd9\u4e9b\u635f\u5931\u4e0e\u7ecf\u8ba4\u8bc1\u7684\u5065\u5eb7\u5927\u6d41\u884c\u6709\u5173\u65f6\u3002 \u5982\u679c\u4fdd\u9669\u516c\u53f8\u6ee1\u8db3\u67d0\u4e9b\u8981\u6c42\uff0c\u4f8b\u5982\u635f\u5931\u8d85\u8fc7\u4e00\u5b9a\u91d1\u989d\u548c\u5411\u5927\u6d41\u884c\u7d22\u8d54\u4eba\u652f\u4ed8\u7684\u6700\u4f4e\u91d1\u989d\uff0c\u8054\u90a6\u653f\u5e9c\u5c06\u901a\u8fc7\u635f\u5931\u5171\u4eab\u8ba1\u5212\u4ecb\u5165\u3002<\/p>\n\n

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\u5982\u679c\u83b7\u5f97\u901a\u8fc7\uff0cPRIA \u53ef\u80fd\u4e0d\u9002\u7528\u4e8e COVID-19 \u7d22\u8d54\u3002 \u7136\u800c\uff0c\u5b83\u5c06\u6539\u53d8\u4fdd\u9669\u516c\u53f8\u672a\u6765\u4e3a\u5927\u6d41\u884c\u76f8\u5173\u635f\u5931\u63d0\u4f9b\u4fdd\u9669\u7684\u65b9\u5f0f\u3002<\/p>\n\n

\u8054\u90a6\u5e72\u9884\u7684\u66ff\u4ee3\u6a21\u5f0f<\/h3>\n\n

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\u5168\u56fd\u4e92\u52a9\u4fdd\u9669\u516c\u53f8\u534f\u4f1a \uff08NAMIC\uff09 \u548c\u7f8e\u56fd\u8d22\u4ea7\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u534f\u4f1a \uff08APCIA\uff09 \u6b63\u5728\u5236\u5b9a\u4e00\u9879\u8054\u5408\u63d0\u6848\uff0c\u4ee5\u652f\u6301\u8054\u90a6\u653f\u5e9c\u5728\u5f25\u8865\u672a\u6765\u5927\u6d41\u884c\u635f\u5931\u65b9\u9762\u53d1\u6325\u66f4\u5927\u4f5c\u7528\u3002 \u6839\u636e\u8fd9\u9879\u63d0\u6848\uff0c\u8054\u90a6\u653f\u5e9c\u4e0d\u4ec5\u4f1a\u652f\u6301\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u5927\u6d41\u884c\u75c5\u635f\u5931\u3002 \u76f8\u53cd\uff0c\u653f\u5e9c\u5c06\u81ea\u5df1\u4e3a\u8fd9\u4e9b\u635f\u5931\u8d1f\u8d23\u3002<\/p>\n\n

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\u867d\u7136\u7ec6\u8282\u4ecd\u6709\u5f85\u89c2\u5bdf\uff0c\u4f46\u8054\u90a6\u653f\u5e9c\u53ef\u80fd\u4f1a\u5bf9\u4e0e COVID-19 \u76f8\u5173\u7684\u8d22\u4ea7\u548c\u610f\u5916\u9669\u7d22\u8d54\u8fdb\u884c\u5e72\u9884\u3002 \u5728\u5bf9\u4fdd\u9669\u4e1a\u8d44\u6e90\u7684\u5a01\u80c1\u548c\u5927\u6d41\u884c\u75c5\u7684\u72ec\u7279\u5f71\u54cd\u4e4b\u95f4\uff0c\u53ef\u80fd\u9700\u8981\u4e00\u4e9b\u653f\u5e9c\u63f4\u52a9\u6765\u4fdd\u62a4\u4fdd\u9669\u516c\u53f8\u53ca\u5176\u6295\u4fdd\u7684\u4f01\u4e1a\u3002<\/p>\n\n

\u201c\u5927\u6d41\u884c\u75c5\u7206\u53d1\u6ca1\u6709\u4fdd\u9669\uff0c\u56e0\u4e3a\u5b83\u4eec\u6ca1\u6709\u4fdd\u9669\uff0c\u201dAPCIA \u9996\u5e2d\u6267\u884c\u5b98 David A. Sampson<\/a> \u8bf4\u3002 \u5f53\u4e8b\u4ef6\u65e0\u6cd5\u6295\u4fdd\u65f6\uff0c\u653f\u5e9c\u5f80\u5f80\u6709\u8d23\u4efb\u7ef4\u62a4\u793e\u4f1a\u5951\u7ea6\u3002<\/p>\n\n

\"\"<\/figure>\n\n

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\u5de5\u4f24\u8d54\u507f\u548c COVID-19<\/h3>\n\n

2020 \u5e74 5 \u6708\uff0c\u4e00\u4e2a\u7531\u4e24\u515a\u7acb\u6cd5\u8005\u7ec4\u6210\u7684\u5c0f\u7ec4\u5ba3\u5e03\u4e86\u4e00\u9879\u6cd5\u6848\uff0c\u5c06\u4e3a\u5728\u5927\u6d41\u884c\u671f\u95f4\u611f\u67d3 COVID-19 \u7684\u57fa\u672c\u5de5\u4f5c\u4eba\u5458\u4ee5\u53ca\u5931\u53bb\u751f\u547d\u7684\u57fa\u672c\u5de5\u4f5c\u4eba\u5458\u7684\u5bb6\u4eba\u63d0\u4f9b\u5de5\u4f24\u8d54\u507f\u4fdd\u9669\u3002<\/p>\n\n

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