A Model for Coronary Heart Disease and Stroke with Applications to Critical Illness Insurance Underwriting II: Applications
| Autor: | Chessman T Wekwete, Ffa Howard R. Waters Fia, Angus S. Macdonald Ffa |
|---|---|
| Rok vydání: | 2005 |
| Předmět: |
Statistics and Probability
Economics and Econometrics medicine.medical_specialty business.industry medicine.disease Coronary heart disease High cholesterol Blood pressure Diabetes mellitus Critical illness medicine Statistics Probability and Uncertainty Intensive care medicine business Stroke High body mass index Underwriting |
| Zdroj: | North American Actuarial Journal. 9:41-56 |
| ISSN: | 2325-0453 1092-0277 |
| DOI: | 10.1080/10920277.2005.10596183 |
| Popis: | In Part I we constructed a model for the development of coronary heart disease (CHD) or stroke that either incorporates, or includes pathways through, the major risk factors of interest when underwriting for critical illness (CI) insurance. In Part II we extend this model to include other critical illnesses, for example, cancers and kidney failure, and describe some applications of the model. In particular, we discuss CI premium ratings for applicants with combinations of some or all of high body mass index, smoking, high blood pressure, high cholesterol, and diabetes. We also consider the possible effect on CI premium ratings of genetic conditions that increase the likelihood of high blood pressure, high cholesterol, diabetes, CHD event, or stroke. |
| Databáze: | OpenAIRE |
| Externí odkaz: |
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