Εκτίμηση ασφαλίστρων εργατικών ατυχημάτων
Workers' compensation insurance pricing
KeywordsΕργατικά ατυχήματα ; Εκτίμηση κόστους αποζημιώσεων ; Ασφάλιση ; Περιγραφική στατιστική ; Κατανομές
The purpose of this thesis is to review workers compensation methods and premium pricing models. We present the basic concepts of occupational accidents and refer to the various occupational risks involved in various occupational sectors and emphasize the catalytic role of human error in causing accidents. We delve into the basic terms that apply in insurance science and present the basic theory of premium calculation. We apply tests for the equality of distributions to empirical data that we have at our disposal and provide forecasts for compensation subsidy amounts through time series models. In the last chapter we analyze the credibility theory of Bühlmann (1967) which is based on the basic principles of portfolio theory as well as the analysis of variance. Finally, we apply these methodologies to data that we have at our disposal for life insurance claims.