Τιμολόγηση ασφάλισης μακροχρόνιας φροντίδας
Pricing lonf term care insurance contracts
Κατσούλης, Εμμανουήλ Θ.
SubjectΑσφάλιση ; Ασφαλιστικές εταιρείες -- Χρηματοοικονομική ανάλυση ; Ασφάλιση, Κοινωνική -- Στατιστική
The last years have witnessed a significant increase in life expectancy for the population of developed countries mainly due to evolution of science. As a result of increasing the number of people who require long term care. The pricing of such services are offered by insurance companies is quite complicated. In this paper we study the changes in the needs of the insured for health care in order to correct pricing and costing of long term care insurance products from insurance companies. These changes in health status helps to create different models used by insurance companies for both pricing and on the assessment of the reserve.