premium n. 1.超票面价格,溢价;加价;贴水,升水。 2.奖赏,奖励;奖金;奖状,奖品;【桥牌】奖分。 3.保险费。 4.佣金;(利息;工资等以外的)酬金。 5.额外费用。 6.学费;习艺费。 a premium for 为…而发的奖金。 at a premium (股票)以超过票面以上的价格;〔比喻〕非常需要,极受重视 (opp. at a discount) (It sells at a premium of 20 percent. 这是加二卖出的)。 pay a premium for 付…佣金。 put [set, place] a premium on 诱发;助长,促进;鼓励;奖励。
I discuss the net single premium modes in disability annuity , permanent disability , dread diseases , long term care health insurance , and put forward the approximate calculation methods , and then analyze the pricing principals in health insurances of actual loss indemnity and the fitting method of loss distributions 讨论了典型的健康保险产品伤残年金、永久残疾、重大疾病、长期护理这四类健康保险产品的定价模型,并就连续模型中的计算提出近似计算方案。介绍了报销赔偿方式下健康保险产品的定价原理,并总结了损失分布的拟合方法。
This dissertation introduces the characteristics of health insurance . it analyses the relationships between transition probabilities and transition intensities in markov and semi - markov models , and discusses the payable probabilities and the net single premium under different insurance contracts . finally , it tries to study the calculation and the sensitivity testing of total premium 本文在对健康保险产品的特征进行分析的基础上,介绍了现有的健康保险的markov模型,探索性地引入semi - markov模型研究转移概率和转移强度的关系,并探讨了健康保险的赔付概率,以及典型的健康保险产品的纯保费的计算。