Experience rating and credibility
Experience rating and credibility
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DOI：
10.1017/s0515036100008023
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发表时间：
1967-07
期刊：
影响因子：
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通讯作者：
H. Bühlmann
中科院分区：
文献类型：
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作者：
H. Bühlmann
让我从一些经验费率的实际例子开始。
a) 1963年瑞士汽车费率——在每个费率档位内有22个等级：
——汽车的新车主从第9级开始
——基本保费是根据风险的客观特征确定的，并且主要取决于汽车的马力分类
——这22个等级的经验费率如下：每发生一次事故上升3个等级，每无事故一年下降1个等级。因此，每4年发生1次事故的驾驶员会保持在相邻的4个等级内。
b) 再保险超额损失合同中的滑动费率保费通常规定：
适用于相关保费金额的费率在保险期间结束时按如下方式确定：最低为0.04，最高为0.08
c) 团体人寿保险中的死亡率利润分成
团体人寿保险以一年期为基础为团体成员提供保险。通常约定在年末根据以下公式将死亡率利润返还给团体：退款 = x%总保费 - y%赔付（其中x < y）
所有这些例子都属于“经验费率”的范畴。它们有什么共同之处呢？
定义：一种个体风险的保费取决于该个体风险的赔付经验的制度。
Let me begin with some practical examples of experience rating. a) Swiss Automobile Tariff 1963 — Within each tariff-position there are 22 grades: — The new owner of a car starts at grade 9 — The basic premium is determined on the basis of objective characteristics of the risk and essentially depends on the horse-power classification of the car — The 22 grades are experience-rated as follows: For each accident one rises three grades and for each accident-free year one falls one grade. A driver who has I accident in every 4 years hence remains within four adjacent grades. b) Sliding Scale Premiums in Reinsurance Excess of Loss Contracts often stipulate that: The rate of premium to be applied to the subject premium volume is determined at the end of the cover period as follows: subject to a minimum of 0,04 and a maximum of 0,08 c) Participation in Mortality Profit in Group Life Insurance A group life insurance covers the members of the group on a one year term basis. It is often agreed that at the end of the year mortality profits are given back to the group according to the formula refund = x% gross premiums — y% claims (where x < y) All these examples fall under the heading “Experience Rating”. What do they have in common? Definition: A system by which the premium of the individual risk depends upon the claims experience of this same individual risk.