مشخصات پژوهش

عنوان	Adjusting the Premium Relativities in a Bonus-Malus System: An Integrated Approach Using the First Claim Time and the Number of Claims
نوع پژوهش	مقاله چاپ‌شده در مجلات علمی
کلیدواژه‌ها	bonus-malus system, premium relativities, claims count
چکیده	In this paper, we propose an integrated approach to adjust the premium relativities in a bonus-malus system by using the information of the first claim time (expressed in terms of sub-period in a year) and the number of claims reported by individual policyholder. We provide a formal representation for the newly proposed structure and derive the analytical expressions for the adjusted premium relativities. Other things being equal, a lower adjusted premium relativity is imposed for an earlier sub-period of the first claim made, whereas policyholders with more claims are subject to a higher adjusted premium relativity.
پژوهشگران	رحیم محمودوند (نفر اول)، چانگ ایت تان (نفر دوم)، نرگس عباسی (نفر سوم)