Transferable Ageing Provisions in Individual Health Insurance Contracts
نویسندگان
چکیده
منابع مشابه
Transferable Ageing Provisions in Individual Health Insurance Contracts
We consider lifetime health insurance contracts in which ageing provisions are used to smooth the premium profile. The capital stock accumulated for each individual can be decomposed into two parts: a premium insurance and an annuitised life insurance, only the latter being transferable between insurers without triggering premium changes through risk segmentation. In a simulation based on Germa...
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Allan P. Blostin and Iris S. Díaz are economists in the Division of Compensation Data Analysis and Planning, Bureau of Labor Statistics. Telephone: (202) 606-6240 E-mail: [email protected] [email protected] Ensuring the reliability of health data and capturing the rapidly changing circumstances surrounding health care benefits requires the Bureau of Labor Statistics (BLS) to eliminate, revise, and...
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In this paper we consider an insurer who has incomplete information about the claim frequency of the risk process. He therefore calculates the premium on the basis of a prior distribution for the claim frequency. Future information might then reveal that it is no longer optimal for the insurer to continue to offer the insurance under the current conditions. We consider a model where, at certain...
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ژورنال
عنوان ژورنال: German Economic Review
سال: 2008
ISSN: 1468-0475,1465-6485
DOI: 10.1111/j.1468-0475.2008.00434.x