caa a22 4500 388071176 CHVBK 20180307125149.0 cr unu---uuuuu 161130e199911 xx s 000 0 eng 10.2143/AST.29.2.504621 doi S0515036100012642 pii (NATIONALLICENCE)cambridge-10.2143/AST.29.2.504621 Kovářová Marie Estimating Per Capita Expenses in Multiple State Models of Permanent Health Insurance [Elektronische Daten] [Marie Kovářová] The aim of this work is to present a method to compute the expected amount of annual claims in the health insurance. (A more detailed analysis of the method can be found in Kovářová (1998).) We will be especially concerned with the permanent health insurance and compare our numerical results with those computed and published for the permanent health insurance in C.M.I.R. (1991). At the same time we will give a general methodology applicable not only to the permanent health insurance but for other types of health insurance as well. The methods used today can be divided into three groups: the method of the decrement tables, the Manchester Unity method and the multiple state model. We would like to describe a simple method to compute from the data of the multiple state model the bases for the Manchester United and for the decrement tables methods. Copyright © International Actuarial Association 1999 Permanent Health Insurance nationallicence Multiple State Model nationallicence Transition Intensity nationallicence Claims nationallicence Manchester Unity Model nationallicence ASTIN Bulletin Cambridge University Press 29/2(1999-11), 351-359 0515-0361 29:2<351 1999 29 ASB https://doi.org/10.2143/AST.29.2.504621 text/html Onlinezugriff via DOI 1 research-article jats NATIONALLICENCE 856 40 https://doi.org/10.2143/AST.29.2.504621 text/html Onlinezugriff via DOI NATIONALLICENCE 100 1- Kovářová Marie NATIONALLICENCE 773 0- ASTIN Bulletin Cambridge University Press 29/2(1999-11), 351-359 0515-0361 29:2<351 1999 29 ASB CC0 http://creativecommons.org/publicdomain/zero/1.0 nationallicence BK010053 XK010053 XK010000 NATIONALLICENCE NATIONALLICENCE NL-cambridge