Health Insurance Prospective Reserve Estimation Base on Age Enter With Varying Interest Rate

• Main Author: ALEXANDER (NIM: 10114057), WILLIAM
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/31611
• Institution: Institut Teknologi Bandung

There is a rise of health protection awareness in the community. Health problem is a risk in every people. To meet the rising problem, insurance company provide a lot of variety of health insurance product. The calculation of this product must be accurate, for this product to be profitable yet desired by the public. One of the calculations is reserve estimation. Reserve is some amount of money had to be provided by a company in one period, which ensures the ability of a company to pay in the event of claim occurred. <br /> <br /> This thesis focus on health insurance model that end up in reserve. Find the proper distribution to reflect health risk. Premium calculation based on equivalence principle. Reserve estimated by prospective formula. The improvement made in the model to approach actual condition, using different risk value based on age and using varying interest rate. <br />