中国汽车保险的最优索赔策略

Optimal Claim Strategy of Automobile Insurance

在大多数国家,汽车保险中使用的无索赔奖励系统(BMS)只考虑了索赔次数,而我国2006年7月开始实施的A、B、C三个车险条款中的C条款是与索赔额有关的BMS,所以需要对现有的最优索赔策略模型进行推广。本文应用马尔科夫最优化原理推广了汽车保险的最优索赔策略模型,并对我国现行的三个车险条款的最优索赔策略问题进行了实证研究。

Only claim numbers are considered in BMS＇s used by many countries in automobile insurance. Chinese insurance companies begin to apply three new automobile insurance clauses named clause A, B and C. For clause C, claim size is considered in its BMS, so the existing optimal claim strategy model is not suitable for clause C. With Markov optimality principle, the paper extends the existing models and discusses the optimal claim strategies of policyholders under these automobile insurance clauses.