摘要
根据多减因模型,结合身体状态的转移概率,建立了综合责任长期护理保险的精算模型,增加了生存和死亡的给付责任,解决了我国长期护理保险产品只有保障功能而缺乏死亡给付责任的矛盾.保险公司可以根据模型的参数及死亡给付的数额,推出多种长期护理保险产品以满足市场需要.
Based on multi-decrement models and combined transition probability of healthy state, the paper establishes an actuarial model on comprehensive responsibility long-term care insurance. This actuarial model, which covers survival and death payment responsibility, has solved the Problems of our country's long-term care insurance products that only has security function and are lack of death benefit responsibility. Insurance companies are able to launch long-term care insurance products to meet the needs of the market according to the model parameters and the amount of the death benefit.
出处
《山西师范大学学报(自然科学版)》
2008年第1期40-43,共4页
Journal of Shanxi Normal University(Natural Science Edition)
关键词
长期护理保险
综合责任长期护理保险
多减因模型
long-term care insurance
long-term care insurance bearing with comprehensive responsibility
multi-decrement models