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Designing an epidemic health insurance | ||
| Journal of Mathematics and Modeling in Finance | ||
| مقالات آماده انتشار، پذیرفته شده، انتشار آنلاین از تاریخ 07 خرداد 1404 اصل مقاله (253.53 K) | ||
| نوع مقاله: Research Article | ||
| شناسه دیجیتال (DOI): 10.22054/jmmf.2025.83429.1159 | ||
| نویسندگان | ||
| Fatemeh Atatalab1؛ Amir Teimour Payandeh Najafabadi* 2؛ Mohammad Zokaei3 | ||
| 1Insurance Research Center, Tehran, Iran | ||
| 2Department of Actuarial Science, Shahid Beheshti University, Tehran, Iran | ||
| 3Department of Actuarial Science, Mathematics Faculty, Shahid Beheshti University, Tehran, Iran | ||
| چکیده | ||
| The outbreak of the pandemic has prompted the scientific community to build models that can reliably monitor and predict the evolution of pandemics. Payment of medical expenses is the most important benefit offered by pandemic insurance policies. This paper considers a one year healthcare insurance contract in which a policyholder protects against an epidemic risk within the policy term and its side effects at most five years later for those who got an infection during the policy period. To derive actuarial computations, it considers a SIDS epidemic model in which infection rates depends on the time. Under such SIDS epidemic model and four health insurance plans fair premium have been evaluated. | ||
| کلیدواژه‌ها | ||
| Epidemiological model؛ Side effects of a disease؛ Healthcare insurance؛ Fair premium | ||
| مراجع | ||
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[1] L. J. S. Allen Stochastic population and epidemic models: persistence and extinction, Springer, 2015. [2] T. Britton and E. Pardoux, Stochastic epidemic models with inference, Springer, 2019. [3] A. A. Chernov, A. A. Shemendyuk and M. Y. Kelbert, Fair insurance premium rate in connected SEIR model under epidemic outbreak, Mathematical Modelling of Natural Phenomena, 16 (2021), doi:10.1051/mmnp/2021028. [4] D. J. Daley and J. Gani, Epidemic modeling: an introduction, Cambridge University Press, 2001. [5] R. Feng and J. Garrido, Actuarial applications of epidemiological models, North American Actuarial Journal, 15 (2011), pp. 112-136. [6] D. Hainaut, An actuarial approach for modeling pandemic risk, Risks, 9 (2021), pp. 1-28. [7] R. Kass, M. Goovaerts, J. Dhaene and M. Denuit, Modern actuarial risk theory, Second Edition, Springer, 2008. [8] W. O. Kermack and A. G.McKendrick, A contribution to the mathematical theory of epidemics, Proc Roy Soc Lond, 115 (1927), pp. 700-721. [9] W. O. Kermack and A. G. McKendrick, Contributions to the mathematical theory of epidemics, Proc Roy Soc Lond, 138 (1932), pp. 55-83. [10] C. Lefevre, P. Picard and M. Simon ´ , Epidemic risk and insurance coverage, Journal of Applied Probability, 54 (2017), pp. 286-303. [11] Zh. Ma, J. Li, Dynamical modeling and analysis of epidemics, Worls Scientific, 2009. [12] H. S. Nam, Mathematical and actuarial analysis on a deterministic SEIR model, Global Journal of Pure and Applied Mathematics, 18 (2022), pp. 453-464. [13] C. I. Nkeki and G. O. S. Ekhaguere, Some actuarial mathematical models for insuring the susceptibles of a communicable disease, International Journal of Financial Engineering, 7 (2020), pp.1-45. [14] M. V. Wuthrich and M. Merz ¨ , Stochastic claims reserving methods in insurance, John Wiley & Sons, 2008. | ||
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