Deductibles in health insurance

This study is an extension to a simulation study that has been developed to determine ruin probabilities in health insurance. The study concentrates on inpatient and outpatient benefits for customers of varying age bands. Loss distributions are modelled through the Allianz tool pack for different classes of insureds. Premiums at different levels of deductibles are derived in the simulation and ruin probabilities are computed assuming a linear loading on the premium. The increase in the probability of ruin at high levels of the deductible clearly shows the insufficiency of proportional loading in deductible premiums. The PH-transform pricing rule developed by Wang is analyzed as an alternative pricing rule. A simple case, where an insured is assumed to be an exponential utility decision maker while the insurer’s pricing rule is a PH-transform is also treated.     

田径运动能力的重新分野

对田径运动能力的刺激时间进行了更为详细的划分 ,通过 3个实例说明所要实施的刺激距离和刺激强度应落在有效时间内 ;指出应对专项所需的各种能力进行全面的、有针对性的训练 ,并注重肌肉能量库的建设 .大多数项目对肌肉的高能磷酸化物和肌糖原的含量要求都很高 ,应予高度重视     

成都市门诊特殊疾病管理的现状与思考

本文通过对成都市门诊特殊疾病基本情况、管理现状及成效和存在问题的分析,探讨解决对策,进而推进门诊特殊疾病管理工作。     

K-阶矩保费定价原理下的合作保险问题

提出了K-阶矩保费定价原理，然后在此保费原理之下，讨论了n家合作保险公司共同承保某一风险，以达到降低保费，提高市场竞争力的目的。得到了各家保险公司应承保的最佳风险分配比，并且给出了对应总的最小承保保费的计算公式。     

基于灰色关联分析的财产保险公司偿付能力的模糊综合评判

为解决财产保险公司的偿付能力的评价问题,建立了基于灰色关联分析的模糊综合评判模型.选取了2003-2005年我国8家财产保险公司的相关数据,用灰色关联分析中的点关联系数求解隶属度得出评判矩阵,用范数灰关联度法确定因素集中各因素的权重,从而对其偿付能力进行模糊综合评判,得出各公司的偿付能力所属的类别.并对评语集中各评语赋予适当的权重,对所研究的8家财产保险公司依据其偿付能力的情况进行了排序.     

转动类体育动作几个知识点的分析

转动普遍存在于体育动作中．在一些体育文献中，对转动的分析不很清楚，有时存在概念上的模糊或逻辑上的混乱．本文从运动学和动力学的角度予以澄清     

联合寿险精算模型研究

介绍了一个寿险的新险种－联合寿险，讨论其理论模型及精算原理和方法。     

浅谈新世纪体育教师人文素质的培养

人文科学知识是维系一个民族的生命线,教师要"传道、受业、解惑",他们是人类文化的传播者,他们面对的是将要成为全面发展的、具有独立个性的和具有无限创新能力的学生,他们的工作职责使得他们本身所应当具有的人文素养这一问题值得深思。     

Computational methods in lattice-subspaces of with applications in portfolio insurance

In this article, we develop a computational method for an algorithmic process first posed by Polyrakis in 1996 in order to check whether a finite collection of linearly independent positive functions in C[a,b] forms a lattice-subspace. Lattice-subspaces are closely related to a cost minimization problem in the theory of finance that ensures the minimum-cost insured portfolio and this connection is further investigated here. Finally, we propose a computational method in order to solve the minimization problem and to calculate the minimum-cost insured portfolio. All of the numerical work is performed using the Matlab high-level language.     

An optimal insurance strategy for an individual under an intertemporal equilibrium

In this paper, we discuss how a risk-averse individual under an intertemporal equilibrium chooses his/her optimal insurance strategy to maximize his/her expected utility of terminal wealth. It is shown that the individual’s optimal insurance strategy actually is equivalent to buying a put option, which is written on his/her holding asset with a proper strike price. Since the cost of avoiding risk can be seen as a risk measure, the put option premium can be considered as a reasonable risk measure. Jarrow [Jarrow, R., 2002. Put option premiums and coherent risk measures. Math. Finance 12, 135-142] drew this conclusion with an axiomatic approach, and we verify it by solving the individual’s optimal insurance problem.