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    ASIA unversity > 管理學院 > 財務金融學系 > 會議論文 >  Item 310904400/63785

    Please use this identifier to cite or link to this item: http://asiair.asia.edu.tw/ir/handle/310904400/63785

    Title: The Valuation of Lifetime Health Insurance Policies with Limited Coverage
    Authors: Yang, Shang-Yin;Wang, Chou-Wen;Huang, Hong-Chih
    Contributors: Tunghai University, Taiwan;National Kaohsiung First University of Science and Technology;National Cheng Chi University
    Keywords: lifetime health insurance policies;excess premiums;limited coverage
    Date: 2013
    Issue Date: 2013-08-07 09:36:50 (UTC+8)
    Publisher: Tunghai University, Taiwan;
    National Kaohsiung First University of Science and Technology
    ;National Cheng Chi University
    Abstract: Currently insurance companies adopt a traditional actuarial view and use expected values to evaluate the premiums for lifetime health insurance policies with limited coverage. This pricing method results in a serious overpricing problem when the coverage limit is not very low or very high. This paper explains why such practical pricing methods contribute to excess premiums and provides a theoretical framework for evaluating fair premiums for lifetime health insurance policies with limited coverage. Using internal data provided by insurance companies, this study depicts the relationship between excess premiums and the level of limited coverage as a humped curve; the maximum excess premium ratio is nearly 20% for certain limited coverage for younger insureds.
    Relation: 2013中部學術財金研討會 論文發表
    Appears in Collections:[財務金融學系] 會議論文

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