asignación de primas en el seguro del automóvil utilizando el análisis en componentesprincipales funcionales = premium allocation in the car insurance by using functional principal component analysis.
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ID: 215792
2007
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Abstract
El estudio de las primas de riesgo en el seguro del automóvil es de suma importancia, debido a la gran competitividad existente en el mercado asegurador. En este artículo se pretende proponer un sistema de bonificación-penalización de las primas de riesgo utilizando el Análisis Funcional en Componentes Principales. En concreto, se realiza un estudio empírico con los datos reales de una compañía aseguradora con cobertura nacional. Aplicando el sistema propuesto de bonificación-penalización a los perfiles de comportamiento de los asegurados, se obtienen las primas de riesgo para cada uno de los perfiles considerados y tramos de edad. = The study of the premium risk in the car insurance is really important because the insurance market is very competitive. In this article we show a bonus-malus method of risk premiums. To do this, we use the Functional Principal Component Analysis. More precisely, we explain an empirical study with the real data of an insurance company. By applying the bonus-malus method that we have given, we are able to obtain the premium risk for different profiles and age ranges.
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patricia2007revistaasignacin
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| Authors | ;Herranz Peinado, C. Patricia;Guerrero Casas, Flor M.;Segovia González, M. Manuela |
| Journal | Cancers |
| Year | 2007 |
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