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Health insurance

Health insurance

This eBook provides approaches to multi-state and multi-decrement modeling of health insurance contracts followed by estimation of premiums based on the equivalence principle. Sickness insurance is analyzed via the collective risk model. We describe conventional health insurance products (e.g., critical illness and income protection), life cycle of a health insurance claim, stop-loss insurance, deductibles and policy limits, forms of anti-selection and moral hazard. 

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