The prices of the health insurances have a fairly connection with the insurance coverage in general. If the health insurance coverage exceeds your needs, it means that you are necessary to pay the extra price. At this moment, this health insurance may be transformed from an affordable health insurance to an expensive health insurance for you. For example, the chance for a teacher to suffer an industrial injury is extremely slim but the health insurance he buys includes the charge of such an industrial injury, it can be said that he pays extra money for this health insurance. Thus, we can say that this could be originally an affordable health insurance for this teacher if without such an industrial injury. Actually what people need is the health insurance product which is suitable for their real needs. Also, the charge rate of the health insurance is specifically calculated by the actuarial experts based on a certain principle, and also is under the serious supervision from the supervising departments. Hence, there are relatively no price competitions among insurance products. This means that the quite affordable health insurance products suffer necessary limitations in both converges and payment conditions.

