关于保险理赔的概率分析

The Probabilistic Analysis on the Insurance Claim

本文运用概率论的方法对保险理赔进行了分析,并在此基础上利用正态近似给出了短期个体风险模型的解算方法。作为算法的应用,本文讨论了有关保险订价的实际例子。

This paper analyses the insurance claim by use of the probabilistic methods. On the basis of this, a computing method is offered to individual risk model for a short term by the application of the normal approximation. To illustrate this, the paper give realistic examples for insurance pricing decision.