Cadenes de Markov aplicades als sistemes bonus-malus

Abstract

[en] Insurance world is reinventing itself every time there are new technologies or people meet new needs. People want fair prices in accordance with their needs, but is it easy to give a price of a service that none knows how much could cost? This degree project studies Markov chains to apply them in Bonus-Malus Systems (BMS). Firstly, we will study how BMS works. Secondly, an analysis of some tools to compare different BMS will be carry out. Finally, we will see some doubts and questions that professionals face when they create and optimize it.