Session: 24

Health

* * *

Summary

This paper deals with health insurance, which purpose is to secure the financing of some health services. The cover is only available to people who have not reached retirement age, and will only be effective in relation to claims originating in that period. The insurance is based on the natural premium system. An aggregate premium rate is constructed, and some main risk factors are described. 

Based on official statistics on surgical operations, together with reasonable assumptions concerning the various components that are integral parts of the premium, calculations have been done to describe the tariff profile for two different product alternatives. The premiums derived from the model construction are also compared with the corresponding average costs per capita in the population as a whole.

* * *

* * *