What does the comprehensive rate in insurance mean?

Comprehensive rate *48%: refers to the payment rate. Specifically, it is the proportion of a project in the total cost of the project.

Rate composition

Pure insurance rate: loss rate of insurance amount+stability factor: (loss rate of insurance amount = total claim amount/total insurance amount × 1000‰)

Additional rate: (insurance business expenses+appropriate profit)/total pure insurance income.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.