Results 51 to 60 of about 4,642 (192)

Optimal Insurance Coverage under Bonus-Malus Contracts [PDF]

ASTIN Bulletin, 2001
AbstractThe paper analyses the questions: Should – or should not – an individual buy insurance? And if so, what insurance coverage should he or she prefer? Unlike classical studies of optimal insurance coverage, this paper analyses these questions from a bonus-malus point of view, that is, for insurance contracts with individual bonus-malus (experience
openaire   +1 more source

Collusion Between Retailers and Customers: The Case of Insurance Fraud in Taiwan

Risks
This study analyzes how the insurance distribution channel can affect insurance fraud. It uses econometric models that confirm the existence of claim manipulation as a form of insurance fraud, whereby policyholders circumvent the bonus–malus system and ...
Pierre Picard, Jennifer Wang, Kili C. Wang   +2 more
doaj   +1 more source

Dynamic Pricing Models for Automobile Insurance [PDF]

Financial Markets, Institutions and Risks
The accurate pricing of automobile insurance remains a critical challenge, particularly in markets where traditional models fail to capture risk heterogeneity.
Lynda Ait Bachir, Oumelkheir Elbaroud, Fatma Bouderra   +2 more
doaj   +1 more source

Contract design and insurance fraud: An experimental investigation [PDF]

This paper investigates the impact of insurance contract design on the behavior of filing fraudulent claims in an experimental setup. We test how fraud behavior varies for insurance contracts with full coverage, a straight deductible or variable premiums
Lammers, Frauke, Schiller, Jörg
core  

Modèle Bayésien de tarification de l’assurance des flottes de véhicules [PDF]

, 2004
Nous proposons un modèle paramétrique de tarification de l’assurance de véhicules routiers appartenant à une flotte. Les tables de primes qui y sont présentées tiennent compte des accidents passés des véhicules, des caractéristiques ...
Angers, Jean-François, Desjardins, Denise, Dionne, Georges   +2 more
core   +1 more source

Commitment and Lapse Behavior in Long-Term Insurance: A Case Study [PDF]

, 2011
International audienceThis paper presents a case study of a portfolio of individual long-term insurance contracts sold by a Spanish mutual company.
Ayuso, Mercedes, Guillén, Montserrat, Pinquet, Jean   +2 more
core   +4 more sources

Intervention territoriale visant à lutter contre la pollution atmosphèrique et équité en matière de santé

Revue Francophone sur la Santé et les Territoires, 2015
Background – The relationship between the characteristics of the neighbourhoods where people live and health inequalities is now well documented.
Wahida Kihal, Cindy Padilla, Séverine Deguen   +2 more
doaj   +1 more source

Estimating the Effect of a Change in Insurance Pricing Regime on Accidents with Endogenous Mobility [PDF]

, 2007
In this paper, we estimate the impact of introducing a bonus-malus system on the probability of having automobile accidents, taking into account contract duration or the client mobility between insurers.
Dionne, Georges, Dostie, Benoit
core   +1 more source

Criterio no asintótico para el diseño de sistemas Bonus-Malus mediante GPBM

Rect@, 2002
El diseño de sistemas Bonus-Malus habitualmente está basado en la distribución estacionaria de la probabilidad. Se supone que una póliza ha alcanzado el estado estacionario (n0 ) cuando la probabilidad de que dicha póliza pertenezca a la clase Ci es ...
Antonio Heras Martínez, Mª Pilar García Pineda   +1 more
doaj  

Bonus-malus in insurance portfolios [PDF]

, 2016
This thesis constitutes a research work on Bonus-Malus (BM) systems in insurance portfolios, featuring designing pricing strategies and examining associated solvency risks. The first piece of work proposed two different pricing models via the Bayesian approach. Results imply adverse attitudes towards policyholders having a history of many small claims,
openaire   +1 more source