Designing an epidemic health insurance | ||
| Journal of Mathematics and Modeling in Finance | ||
| دوره 5، شماره 1، مهر 2025، صفحه 121-135 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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آمار تعداد مشاهده مقاله: 654 تعداد دریافت فایل اصل مقاله: 304 |
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