| dc.contributor | 風管系 | |
| dc.creator (作者) | 黃泓智 | zh_TW |
| dc.creator (作者) | Yang, Shang-Yin;Wang, Chou-Wen;Huang, Hong-Chih | |
| dc.date (日期) | 2014-07 | |
| dc.date.accessioned | 23-Apr-2015 13:57:03 (UTC+8) | - |
| dc.date.available | 23-Apr-2015 13:57:03 (UTC+8) | - |
| dc.date.issued (上傳時間) | 23-Apr-2015 13:57:03 (UTC+8) | - |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/74756 | - |
| dc.description.abstract (摘要) | In adopting a traditional actuarial view, insurance companies often use expected values to determine the premiums for lifetime health insurance policies with limited coverage, which can lead to serious overpricing problems when the coverage limit is not very low or very high. To address this overpricing problem, this article provides analytical solutions for fair premiums of lifetime health insurance policies with limited coverage. Using internal data provided by insurance companies, this article describes the relationship between the level of limited coverage and excess premiums. The premium difference between a practical pricing method and a proposed pricing model creates a humped curve; the maximum excess premium ratio reaches nearly 20 percent for limited coverage for younger insured people. | |
| dc.format.extent | 126 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | Journal of Risk and Insurance(國科會A-1期刊), | |
| dc.title (題名) | The Valuation of Lifetime Health Insurance Policies with Limited Coverage | |
| dc.type (資料類型) | article | en |
| dc.identifier.doi (DOI) | 10.1111/jori.12070 | |
| dc.doi.uri (DOI) | http://dx.doi.org/10.1111/jori.12070 | |
