Departament de Matemàtica Econòmica, Financera i Actuarial, Universitat de Barcelona, Barcelona, Spain.
PLoS One. 2021 Feb 17;16(2):e0247030. doi: 10.1371/journal.pone.0247030. eCollection 2021.
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.
大多数保险单都包含免赔额，因此索赔的一部分由被保险人支付。为了获得索赔的全额保障，被保险人有两种选择：购买零免赔额保险单或购买带有免赔额的保险单以及可退还免赔额保险。本文的目的是分析这两种选择，并比较每种选择所支付的保费。我们将 dif(P)定义为所支付保费的差异。该函数取决于适用的免赔额参数，我们关注的是这个差异的符号以及最优免赔额的计算，即允许我们获得最大保费降低的免赔额参数的值。
