免赔额和赔偿限额的引入对纯保费的影响

Impact of the Introduction of Deductible and Compensation Limit on the Pure Premiums

在汽车险或财产险等非寿险合同中,有两类常见的保险条款:免赔额条款和赔偿限额条款。当一份保单中包含了免赔额条款或赔偿限额条款时,其保费的计算与不使用这些条款时保费的计算是有区别的。在有限数学期望、密度函数、分布函数等数学工具的基础上,分析了不同类型的免赔额与赔偿限额的同时使用,对纯保费的影响。

In the auto insurance or property insurance and other non-life insurance contracts, there are two types of common insurance terms ： Deductible terms and the terms of compensation limit. When an insurance policy contains deductible clauses or compensation limit provisions, its premium calculation is different from that of not using these provisions. Based on the limited mathematical expectation, the density function, distribution function and other mathematical tools, the impact of the use of different types of deductible and compensation limit on the pure premiums is analysed.