Bonus-Malus kujoniert Ärzte und nährt Anwälte
نویسندگان
چکیده
منابع مشابه
Measuring sensitivity in a bonus–malus system
In performing Bayesian analysis of a bonus–malus system (BMS) it is normal to choose a parametric structure, π0(λ), in the insurer’s portfolio. According to Bayesian sensitivity analysis the structure function can be modelled by specifying a class Γ of priors instead of a single prior. In this paper, we examine the ranges of the relativities, i.e. δ = E[λπ(λ|data)]/E[λπ(λ)], π ∈ Γ . We illustra...
متن کاملBonus-malus Scales Using Exponential Loss Functions
This paper focuses on techniques for constructing Bonus-Malus systems in third party liability automobile insurance. Specifically, the article presents a practical method for constructing optimal Bonus-Malus scales with reasonable penalties that can be commercially implemented. For this purpose, the symmetry between the overcharges and the undercharges reflected in the usual quadratic loss func...
متن کاملÄrzte und Medizin in Afrika
common people', in other words almost anything commonly accepted and practised. This is fair enough, but before medicine became scientific how, in this day and age, can we separate folklore from orthodox practice? The beliefs and customs of the past are so numerous that it is impossible to make a complete collection, and any attempt to do so must result in an unreadable jumble. The study of fol...
متن کاملImplicit Client Sorting and Bonus Malus Contracts
In an earlier paper, we showed that, in a multi-period setting (but with no multi-period commitment) with two client types (adverse selection) and a competitive insurer environment, a comparasin between periodic repetitions of the classic Rothschild-Stiglitz separating equilibrium contract menu and a second contract based on Bayesian learning (which we identify as a bonus-malus contract) yields...
متن کاملExponential Bonus-malus Systems Integrating a Priori Risk Classification
This paper examines an integrated ratemaking scheme including a priori risk classification and a posteriori experience rating. In order to avoid the high penalties implied by the quadratic loss function, the symmetry between the overcharges and the undercharges is broken by introducing parametric loss functions of exponential type.
متن کاملذخیره در منابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ژورنال
عنوان ژورنال: MMW - Fortschritte der Medizin
سال: 2006
ISSN: 1438-3276,1613-3560
DOI: 10.1007/bf03364794