Please use this identifier to cite or link to this item:
http://hdl.handle.net/2445/120087
Full metadata record
DC Field | Value | Language |
---|---|---|
dc.contributor.author | Piulachs Lozada-Benavente, Xavier | - |
dc.contributor.author | Alemany Leira, Ramon | - |
dc.contributor.author | Guillén, Montserrat | - |
dc.date.accessioned | 2018-02-21T09:09:04Z | - |
dc.date.available | 2018-02-21T09:09:04Z | - |
dc.date.issued | 2017 | - |
dc.identifier.issn | 0368-492X | - |
dc.identifier.uri | http://hdl.handle.net/2445/120087 | - |
dc.description.abstract | Purpose: To study the price of health insurance for individuals aged 65 years and over. Methodology: A sample of private health policyholders in Spain is analysed. Joint models are estimated for men and women, separately. A log-linear model of the transformed cumulated number of claims associated with emergency room occupation, ambulance use and hospitalization is estimated, together with a proportional hazard survival model. Findings: The association between the longitudinal process of severe medical care and the survival time process is positive and highly significant for both men and women. An increase in the price of health insurance due to the effect of a larger number of emergency care demand events is slightly offset by the decrease in expected longevity. Practical implications: The effect of an increase in the number of claims is small compared to the reduction in survival, so age still plays a central role in rate making. Originality: The proposed methodology allows dynamic rates to be designed, so that the price of health insurance can change as new usage information becomes available. | - |
dc.format.extent | 12 p. | - |
dc.format.mimetype | application/pdf | - |
dc.language.iso | eng | - |
dc.publisher | Emerald | - |
dc.relation.isformatof | Versió postprint del document publicat a: https://doi.org/10.1108/K-06-2016-0149 | - |
dc.relation.ispartof | Kybernetes, 2017, vol. 46, num. 1, p. 102-113 | - |
dc.relation.uri | https://doi.org/10.1108/K-06-2016-0149 | - |
dc.rights | (c) Emerald, 2017 | - |
dc.source | Articles publicats en revistes (Econometria, Estadística i Economia Aplicada) | - |
dc.subject.classification | Risc (Assegurances) | - |
dc.subject.classification | Assegurances de malaltia | - |
dc.subject.classification | Mortalitat | - |
dc.subject.classification | Avaluació de l'assistència mèdica | - |
dc.subject.other | Risk (Insurance) | - |
dc.subject.other | Health insurance | - |
dc.subject.other | Mortality | - |
dc.subject.other | Medical care evaluation | - |
dc.title | Emergency care usage and longevity have opposite effects on health insurance rates | - |
dc.type | info:eu-repo/semantics/article | - |
dc.type | info:eu-repo/semantics/acceptedVersion | - |
dc.identifier.idgrec | 667422 | - |
dc.date.updated | 2018-02-21T09:09:04Z | - |
dc.rights.accessRights | info:eu-repo/semantics/openAccess | - |
Appears in Collections: | Articles publicats en revistes (Econometria, Estadística i Economia Aplicada) |
Files in This Item:
File | Description | Size | Format | |
---|---|---|---|---|
667422.pdf | 533.38 kB | Adobe PDF | View/Open |
Items in DSpace are protected by copyright, with all rights reserved, unless otherwise indicated.