تسعير التأمين الطبي التجاري باستخدام نموذج (BCM)‎ Bühlmann Credibility Model

Abstract EN

private health insurance policies are considered one of the most difficult insurance policies in terms of appropriate pricing, as they are characterized by the non-standard advantages of private health insurance policies, due to the fact that these policies are designed according to the requirements of policyholders and the risks to be insured against.

The current study aims to use the Credibility Theory through the application of the Bühlmann Credibility Model (BCM) in estimating the price of private health insurance in a way that is commensurate with the insurance coverage it provides and is consistent with the varying degrees of risk depending on the accumulated past experiences, by applying data collected from a from Ain Shams Specialized Hospital for the period (2015-2019) for 276 organizations and companies contracting with Ain Shams Specialized Hospital to provide health insurance services to them