Mathematical Models of Calculation of The Health Insurance Premium Backup Care Hospital Prospective Method

Abstract

Health insurance hospital care is health insurance that provides compensation to the insured in the form of a sum of money for the cost of treatment and care. In insurance the insured party has an obligation to make the payment within the specified amount to the insurer called a premium. A portion of the premium is the premium reserve should be provided as a company obligation to tackle the risk of claims in the future. one of the methods of calculation of the premium reserve is the prospective method. Prospective method is a method whereby calculations are oriented on the expenditure in the future. as an example of the calculation of the reserve of the health insurance premiums can be concluded that the results of the health insurance premium reserve hospital treatment has increased every year and the more we get the value of the premiums paid.