Incidence, Dependence Structure of Disease, and Rate Making for Health Insurance
المؤلفون المشاركون
Xie, Yuantao
Yang, Juan
Jiang, Chong-guang
Cai, Zi-yu
Adagblenya, Joshua
المصدر
Mathematical Problems in Engineering
العدد
المجلد 2018، العدد 2018 (31 ديسمبر/كانون الأول 2018)، ص ص. 1-13، 13ص.
الناشر
Hindawi Publishing Corporation
تاريخ النشر
2018-08-12
دولة النشر
مصر
عدد الصفحات
13
التخصصات الرئيسية
الملخص EN
In order to analyze the two goals under the national strategy of “Healthy China”, this paper attempts to solve the problem of coverage rate and guarantee level of health insurance, as well as the rational allocation of full life cycle health insurance resources.
This paper uses pair copula to model the dependence of different disease incidence and proposes an actuarial model for rate making in health insurance based on the dependence captured by pair copula.
These are far more accurate than any other model and more proper for covering a basket of several different diseases.
The data for the paper was drawn from the experience incidence table of major diseases (malignant tumor, acute myocardial infarction, and stroke sequelae) from the ages 0-65 years in the Chinese life insurance industry.
Extending the hypothesis of independence in actuarial modeling, the authors comprehensively use a hierarchical copula theory to extract the dependence structure of risk variable in insurance.
The classification rate making technology and survival analysis method in traditional actuarial pricing were also considered.
This paper applied the generalized linear model, which is commonly used in nonlife insurance pricing for empirical study of health insurance rate making.
The authors discovered that the incidence of major diseases and the single premium rate calculated by the generalized linear model under HAC dependence structure were both significantly different from that calculated by the Manchester United method without dependency.
The authors also stated that the rate based on the generalized linear model under HAC dependence structure was a bit different from that without dependency but both were generally the same as that of Care Expert in PICC Health.
The underestimation or overestimation of systematic risks and the distortion of the rate system can be eliminated if we combine risk dependence into modeling.
نمط استشهاد جمعية علماء النفس الأمريكية (APA)
Xie, Yuantao& Yang, Juan& Jiang, Chong-guang& Cai, Zi-yu& Adagblenya, Joshua. 2018. Incidence, Dependence Structure of Disease, and Rate Making for Health Insurance. Mathematical Problems in Engineering،Vol. 2018, no. 2018, pp.1-13.
https://search.emarefa.net/detail/BIM-1207395
نمط استشهاد الجمعية الأمريكية للغات الحديثة (MLA)
Xie, Yuantao…[et al.]. Incidence, Dependence Structure of Disease, and Rate Making for Health Insurance. Mathematical Problems in Engineering No. 2018 (2018), pp.1-13.
https://search.emarefa.net/detail/BIM-1207395
نمط استشهاد الجمعية الطبية الأمريكية (AMA)
Xie, Yuantao& Yang, Juan& Jiang, Chong-guang& Cai, Zi-yu& Adagblenya, Joshua. Incidence, Dependence Structure of Disease, and Rate Making for Health Insurance. Mathematical Problems in Engineering. 2018. Vol. 2018, no. 2018, pp.1-13.
https://search.emarefa.net/detail/BIM-1207395
نوع البيانات
مقالات
لغة النص
الإنجليزية
الملاحظات
Includes bibliographical references
رقم السجل
BIM-1207395
قاعدة معامل التأثير والاستشهادات المرجعية العربي "ارسيف Arcif"
أضخم قاعدة بيانات عربية للاستشهادات المرجعية للمجلات العلمية المحكمة الصادرة في العالم العربي
تقوم هذه الخدمة بالتحقق من التشابه أو الانتحال في الأبحاث والمقالات العلمية والأطروحات الجامعية والكتب والأبحاث باللغة العربية، وتحديد درجة التشابه أو أصالة الأعمال البحثية وحماية ملكيتها الفكرية. تعرف اكثر