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Si us plau utilitzeu sempre aquest identificador per citar o enllaçar aquest document: https://hdl.handle.net/2445/175348
Is a Refundable Deductible Insurance an Advantage for the Insured? A Mathematical Approach
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Most insurance policies include a deductible, so that a part of the claim is paid by the insured. In order to get full coverage of the claim, the insured has two options: purchase a Zero Deductible Insurance Policy or purchase an insurance policy with deductible together with Refundable Deductible Insurance. The objective of this paper is to analyze these two options and compare the premium paid by each. We define dif(P) as the difference between the premiums paid. This function depends on the parameters of the deductible applied, and we focus our attention on the sign of this difference and the calculation of the optimal deductible, that is, the values of the parameters of the deductible that allow us to obtain the greatest reduction in the premium.
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CLARAMUNT BIELSA, M. Mercè and MÁRMOL, Maite. Is a Refundable Deductible Insurance an Advantage for the Insured? A Mathematical Approach. PLoS One. 2021. Vol. 16(2), num. e0247030, pags. 1-22. ISSN 1932-6203. [consulted: 14 of August of 2026]. Available at: https://hdl.handle.net/2445/175348