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The Valuation of lifetime health insurance policies with limited coverage

Recurso electrónico / Electronic resource
Registro MARC
Tag12Valor
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008  160915e20160905usa|||p |0|||b|eng d
040  ‎$a‎MAP‎$b‎spa‎$d‎MAP
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100  ‎$0‎MAPA20130004303‎$a‎Yang, Shang-Yin
24514‎$a‎The Valuation of lifetime health insurance policies with limited coverage‎$c‎Shang-Yin Yang, Chou-Wen Wang, Hong-Chih Huang
520  ‎$a‎In adopting a traditional actuarial view, insurance companies often use expected values to determine the premiums for lifetime health insurance policies with limited coverage, which can lead to serious overpricing problems when the coverage limit is not very low or very high. To address this overpricing problem, this article provides analytical solutions for fair premiums of lifetime health insurance policies with limited coverage. Using internal data provided by insurance companies, this article describes the relationship between the level of limited coverage and excess premiums. The premium difference between a practical pricing method and a proposed pricing model creates a humped curve; the maximum excess premium ratio reaches nearly 20 percent for limited coverage for younger insured people.
650 4‎$0‎MAPA20080573867‎$a‎Seguro de salud
650 4‎$0‎MAPA20080545017‎$a‎Pólizas
650 4‎$0‎MAPA20080553630‎$a‎Coberturas
650 4‎$0‎MAPA20080578350‎$a‎Tarifa de primas
650 4‎$0‎MAPA20080581886‎$a‎Primas de seguros
650 4‎$0‎MAPA20080579258‎$a‎Cálculo actuarial
650 4‎$0‎MAPA20080592011‎$a‎Modelos actuariales
700  ‎$0‎MAPA20110028886‎$a‎Wang, Chou-Wen
700  ‎$0‎MAPA20100033678‎$a‎Huang, Hong-Chih
7730 ‎$w‎MAP20077000727‎$t‎The Journal of risk and insurance‎$d‎Nueva York : The American Risk and Insurance Association, 1964-‎$x‎0022-4367‎$g‎05/09/2016 Volumen 83 Número 3 - septiembre 2016 , p. 777-800