死差说通俗点就是保险精算师在设定一个人寿保险的时候把这个标的人的寿命设定在一定范围，比如只有70岁，获得一个整体所有被保人的死亡率，那么被保人整体的死亡率低于预测值，保险公司计提的预备赔付金自动转入保险公司的利润收入，其实是一个带有预算性质的成本型利润。

寿险里的死差可以理解，但健康险中是否存在死差的概念？如果存在的话，这里的死差是指因疾病导致的死亡的实际发生与预设发生之间的差值，还是指因健康导致的出险的实际发生与预设发生的差值？还请指点，谢谢你啦

健康险的“死差”可以理解为发生率差和平均医疗费用水平差的综合

不就是morbidity吗?SOE里就是morbidity gain or loss.和mortality同样理解吧

I think we need to clarify a few concepts here:

The term “health insurance” may refer to “medical insurance” and not “living benefits” (such as lump sum Critical Illness products).  In that sense, the “health insurance” here includes only medical reimbursement products and hospital cash (a.k.a. hospital income) products.  Both cover “morbidity risk” and are not related to “mortality risk”.  More specifically, hospital cash products are related to “incidence rates” while medical reimbursement products are related to both “incidence rates” and “treatment cost” (and thus medical cost inflation).