Szacowanie składki w ubezpieczeniu od ryzyka niesamodzielności
Net premium calculation in a stand-alone policy

Summary/Abstract: The calculation of net premium is the main actuarial problem in insurance business. The aim of the ar- ticle is to present net annual premium calculation in a stand-alone policy. This paper shows a model for stand-alone policy in long term care insurance. We consider the Reed-Merrell method to calcula- tion transition probabilities between three states: active, disabled and dead and we use PolSenior’s research. The research results enable performing the example calculations of net annual premium in a stand-alone policy.

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