Исследование бюджетных эффектов от изменения ставок страховых взносов (Research on Budgetary Effects of Changes in Insurance Premium Rates)

2020 ◽  
Author(s):  
Sergei Belev ◽  
Konstantin Vekerle ◽  
Evgeniy Matveev ◽  
Elisey Leonov ◽  
Ilya Sokolov ◽  
...  
Keyword(s):  
Insurance Premium ◽  
Premium Rates

scholarly journals Estimating Dual Deposit Insurance Premium Rates and Forecasting Non-Performing Loans: Two New Models

2015 ◽  
Author(s):  
Naoyuki Yoshino ◽  
Farhad Taghizadeh Hesary ◽  
Farhad Nili
Keyword(s):  
Deposit Insurance ◽  
Insurance Premium ◽  
New Models ◽  
Premium Rates

scholarly journals Sampling Distributions of Critical Illness Insurance Premium Rates: Breast and Ovarian Cancer

2008 ◽  
Vol 38 (2) ◽  
pp. 527-542 ◽  
Author(s):  
Li Lu ◽  
Angus Macdonald ◽  
Howard Waters
Keyword(s):  
Ovarian Cancer ◽  
Critical Illness ◽  
Epidemiological Studies ◽  
Insurance Premium ◽  
Parameter Estimates ◽  
Breast And Ovarian Cancer ◽  
Premium Rate ◽  
Relative Risks ◽  
Sampling Distributions ◽  
Premium Rates

Evaluating the risk of disorders in long-term insurance often relies on rates of onset estimated from quite small epidemiological studies. These estimates can carry considerable uncertainty, hence so may functions of them, such as a premium rate. In the case of genetic disorders, where it may be required to demonstrate the reliability of genetic information as a risk factor, such uncertainty may be material. Epidemiological studies publish their results in a variety of forms and it is rarely easy to estimate the sampling distribution of a premium rate without access to the original data. We found a large study of breast and ovarian cancer that cited relative risks of breast and ovarian cancer onset, with confidence intervals, in 10-year age groups. We obtained critical illness premium rates and their sampling distributions by parametric bootstrapping, and investigated the effect of possible patterns of sampling correlations. We found that this study provides ample statistical evidence that known BRCA1 or BRCA2 mutations, or a typical family history of breast or ovarian cancer, are reliable risk factors, but the sampling covariances of the relative risks could be important at some ages and terms. Studies that cite only standard errors of parameter estimates erect a small but awkward barrier between the models they describe, and some important actuarial questions.

scholarly journals Estimating Crop Yield Insurance Premium Rates

1984 ◽  
Vol 13 (1) ◽  
pp. 119-127 ◽  
Author(s):  
Daniel J. Dudek ◽  
P. Geoffrey Allen
Keyword(s):  
Adverse Selection ◽  
Crop Yield ◽  
Technical Change ◽  
Calculation Method ◽  
Insurance Premium ◽  
Premium Calculation ◽  
Premium Rates ◽  
Insurance Rates ◽  
Definition Of ◽  
Yield Insurance

Insurance rates for crop yield protection programs have traditionally been calculated from county average yields. Where grower acreages and yields are not homogeneous, this approach leads to higher premiums and payouts and greater incidence of adverse selection. With individual grower data a production weighted rate premium calculation method can be used which avoids these problems. Furthermore, the definition of rate classes is not constrained to county boundaries. The additional complication of technical change is addressed and one solution is provided. Results are presented for the cranberry industry.

Guaranteed bounds for insurance premium rates for the insurance portfolio of factorizable claims

1999 ◽  
Vol 93 (4) ◽  
pp. 582-590
Author(s):  
S. Ya. Shorgin
Keyword(s):  
Insurance Premium ◽  
Insurance Portfolio ◽  
Premium Rates

scholarly journals Sampling Distributions of Critical Illness Insurance Premium Rates: Breast and Ovarian Cancer

2008 ◽  
Vol 38 (02) ◽  
pp. 527-542 ◽  
Author(s):  
Li Lu ◽  
Angus Macdonald ◽  
Howard Waters
Keyword(s):  
Ovarian Cancer ◽  
Critical Illness ◽  
Epidemiological Studies ◽  
Insurance Premium ◽  
Parameter Estimates ◽  
Breast And Ovarian Cancer ◽  
Premium Rate ◽  
Relative Risks ◽  
Sampling Distributions ◽  
Premium Rates

Evaluating the risk of disorders in long-term insurance often relies on rates of onset estimated from quite small epidemiological studies. These estimates can carry considerable uncertainty, hence so may functions of them, such as a premium rate. In the case of genetic disorders, where it may be required to demonstrate the reliability of genetic information as a risk factor, such uncertainty may be material. Epidemiological studies publish their results in a variety of forms and it is rarely easy to estimate the sampling distribution of a premium rate without access to the original data. We found a large study of breast and ovarian cancer that cited relative risks of breast and ovarian cancer onset, with confidence intervals, in 10-year age groups. We obtained critical illness premium rates and their sampling distributions by parametric bootstrapping, and investigated the effect of possible patterns of sampling correlations. We found that this study provides ample statistical evidence that known BRCA1 or BRCA2 mutations, or a typical family history of breast or ovarian cancer, are reliable risk factors, but the sampling covariances of the relative risks could be important at some ages and terms. Studies that cite only standard errors of parameter estimates erect a small but awkward barrier between the models they describe, and some important actuarial questions.

scholarly journals MODEL PENGHITUNGAN TARIF PREMI ASURANSI SYARIAH DALAM HUBUNGANNYA DENGAN SEGMENTASI PASAR DAN LABA PERUSAHAAN

ETIKONOMI ◽  
2015 ◽  
Vol 13 (2) ◽  
Author(s):  
Ella Patriana
Keyword(s):  
Market Segmentation ◽  
Insurance Premium ◽  
High Rate ◽  
Rate Of Return ◽  
Model Calculations ◽  
High Return ◽  
Premium Rates ◽  
The Individual ◽  
Descriptive Qualitative

The research aims to analyze the model calculations sharia insurance premium rates for savings products and not saving in connection with market segmentation and company profit. The method used in this research is descriptive qualitative. In accordance with the characteristics of the product, for a savings element that has a market segmentation leads to the individual, while that does not have a savings element, it would be appropriate is marketed to a collection or company. Companies with on investment high return using a relatively small debt. High rate of return allowed them to finance the majority of their funding needs with funds generated from internal activities.DOI: 10.15408/etk.v13i2.1885

scholarly journals Perspectives of accumulation of funds in the accumulative pension insurance system of Ukraine

2017 ◽  
Vol 14 (2) ◽  
pp. 128-138 ◽  
Author(s):  
Svitlana Berezina
Keyword(s):  
Pension System ◽  
Legal Framework ◽  
Insurance Premium ◽  
Pension Insurance ◽  
Insurance Premiums ◽  
Insurance System ◽  
Premium Rates ◽  
Pension Insurance System

The pension system existing in Ukraine does not correspond to the modern requirements of society and needs radical reforms in which the main focus should be on the introduction of a mandatory accumulative pension system. It is shown that accumulation of funds in accumulative pension system (APS) requires complex calculations. A model for accumulation of funds in the accumulative pension insurance system used in this paper makes it possible to determine a set of interrelated parameters – insurance premium rates, reasonable insurance periods, the desired rates of profitability, the required amount of savings, investment potential of accumulative pension system, etc. The amount of funds in accumulative pension insurance system depends not only on the basis of insurance (number of payers of insurance premiums), the amount of contributions (rate and object) and (primarily) on the term of beginning of payments of insurance premiums, the coefficient of profitability of invested funds and guarantees of their safety at all stages of functioning of the accumulative system. The analysis has shown that it is necessary: to cover all people employed in the economy with accumulative pension insurance; a rate of contributions should be determined not only by wages, but also by income; prior to the introduction of accumulative pension system – to create the necessary infrastructure, to develop a legal framework, to organize the management of accumulative funds, to solve the issues related to the protection of funds from the risks of losses. The beginning of introduction of the accumulative system should be postponed till 2020.

Optimal insurance premium rates when the distribution of claims is unknown

1979 ◽  
Vol 16 (03) ◽  
pp. 678-684
Author(s):  
Itzhak Venezia
Keyword(s):  
Prior Distribution ◽  
Insurance Premium ◽  
Insurance Company ◽  
Unknown Parameters ◽  
Optimal Insurance ◽  
The Past ◽  
Past Behavior ◽  
New Information ◽  
Programming Techniques ◽  
Premium Rates

We analyze here the optimal premium rates for an insurance company for the case where the claims process is a stochastic process with unknown parameters. The beliefs of the insurance company about these parameters are represented by some prior distribution function, and the premium rates are determined on the basis of this distribution. The insurer learns about the unknown parameters from the past behavior of the claims process, and revises the prior distribution whenever new information is obtained (i.e., a claims stream is observed). The learning process introduces multi-period dynamic considerations to the problem of the rate determination, since the rates determined at any period affect the claims process, and thus the information available for future decisions. We show how the optimal rates can be obtained by using some dynamic programming techniques. We also prove that the optimal rates obtained in our case are lower than those determined by an insurance company that does not revise its distribution.

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