Asuransi stroke dengan variabel hipertensi, diabetes, dan obesitas = Stroke insurance with the variables of hypertension, diabetes, and obesity

Sofian, Feona (2020) Asuransi stroke dengan variabel hipertensi, diabetes, dan obesitas = Stroke insurance with the variables of hypertension, diabetes, and obesity. Bachelor thesis, Universitas Pelita Harapan.

	Text (Title) Title.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB)
Preview	Text (Abstract) Abstract.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (526kB) | Preview
Preview	Text (ToC) ToC.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (591kB) | Preview
Preview	Text (Chapter1) Chapter1.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (678kB) | Preview
	Text (Chapter2) Chapter2.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (683kB)
	Text (Chapter3) Chapter3.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (687kB)
	Text (Chapter4) Chapter4.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB)
	Text (Chapter5) Chapter5.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (532kB)
Preview	Text (Bibliography) Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (556kB) | Preview
	Text (Appendices) Appendices.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB)

Abstract

Stroke adalah salah satu penyakit tidak menular yang kritis dan menjadi penyebab kematian tertinggi di Indonesia bagi individu di atas lima tahun. Asuransi memberikan perlindungan kepada pemegang polis ketika ia sakit stroke dan ketika meninggal. Pemodelan asuransi ini menggunakan salah satu multiple state model, yaitu permanent disability model dengan 33 keadaan yang terdiri dari 16 keadaan sehat, 16 keadaan sakit, dan satu keadaan meninggal. Model asuransi ini dipengaruhi oleh beberapa faktor risiko stroke, yaitu hipertensi, diabetes, indeks massa tubuh (IMT), usia, dan jenis kelamin. Setiap keadaan memiliki kondisi kesehatan dan kategori IMT yang berbeda. Probabilitas transisi antar keadaan untuk t tahun hingga usia 85 tahun dihitung menggunakan persamaan Chapman-Kolmogorov yang penting dalam model Markov. Probabilitas ini digunakan untuk menghitung premi dengan prinsip ekuivalensi dan cadangan dengan metode prospektif. Dalam asuransi ini, ada dua jenis manfaat yang dapat diperoleh, yaitu manfaat anuitas stroke dan manfaat kematian. Ada dua jenis premi dan cadangan yang dihitung, yaitu dengan manfaat kematian dan tanpa manfaat kematian. Premi untuk asuransi dengan manfaat kematian semakin tinggi ketika kategori IMT meningkat. Sedangkan premi untuk asuransi tanpa manfaat kematian semakin rendah ketika kategori IMT meningkat. Selain itu, premi laki-laki pada asuransi dengan manfaat kematian lebih tinggi daripada premi perempuan. Hal sebaliknya terjadi pada asuransi tanpa manfaat kematian. Kondisi kesehatan mempengaruhi probabilitas transisi, namun tidak mempengaruhi premi dan cadangan secara signifikan./Stroke is one of critical non-communicable disease which is the cause of the highest mortality rate in Indonesia for individuals above the age of five. Insurance protects the policyholder when he suffered from stroke or died. This insurance is modeled with one of the multiple state models, which is permanent disability model. It is done with 33 states which consist of 16 healthy states, 16 sick states, and one state of death. This insurance model is affected by several factors of stroke, namely hypertension, diabetes, Body Mass Index (BMI), age, and sex. Each state has a different health condition and a different BMI category. Transition probabilities between states for t number of years until the policyholder reaches the age of 85 years old is calculated with the Chapman-Kolmogorov equation, which is a part of Markov model. These probabilities are then used to calculate the premium using the equivalence principle and to calculate the reserve using the prospective method. There are two benefits to receive in this insurance, the stroke annuity benefit and the death benefit. The calculation of premiums and reserves are done in two types of insurance. The first type is an insurance with a death benefit, and the second type is an insurance without a death benefit. Premiums increase with BMI category and premiums for male policyholder are higher than premiums for female in the first type of insurance, and vice versa in the second type of insurance. Factors of stroke affect transition probabilities, but don't significantly affect premiums and reserves.

Actions (login required)

View Item