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The Valuation of Lifetime Health Insurance Policies with Limited Coverage

机译：范围有限的终身健康保险单的评估

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摘要

In 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.
机译：在采用传统的精算观点时，保险公司经常使用期望值来确定覆盖范围有限的终身健康保险保单的保险费，当覆盖范围限制不是很高或很低时，这可能导致严重的定价过高问题。为了解决这个定价过高的问题，本文为有限覆盖范围的终身健康保险保单的合理保费提供了分析解决方案。本文使用保险公司提供的内部数据来描述有限承保范围和超额保费之间的关系。实际定价方法与提议的定价模型之间的溢价差异会形成曲线。对于年青投保人的有限保险，最高超额保费率达到近20％。

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  • 来源
    《The journal of risk and insurance》 |2016年第3期|777-800|共24页
  • 作者

    Yang Shang-Yin; Wang Chou-Wen; Huang Hong-Chih;

  • 作者单位

    Tunghai Univ, Dept Finance, Taichung, Taiwan;

    Natl Kaohsiung First Univ Sci & Technol, Dept Finance, Kaohsiung, Taiwan|Natl Chengchi Univ, Coll Commerce, Risk & Insurance Res Ctr, Taipei, Taiwan;

    Natl Chengchi Univ, Coll Commerce, Risk & Insurance Res Ctr, Taipei, Taiwan|Natl Chengchi Univ, Coll Commerce, Dept Risk Management & Insurance, Taipei, Taiwan;

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