Theoretical and Practical Aspects of the Unprofitability Assessment of the Portfolio in the Voluntary Medical Insurance

Student: Medvedeva Ekaterina

Educational Programme: Statistical Modelling and Actuarial Science (Master)

Year of Graduation: 2019

The market of voluntary medical insurance in Russia is currently very actively developing. In insurance, voluntary medical insurance is considered a particularly unprofitable type of insurance with a loss ratio of over 50%. This feature of voluntary medical insurance is influenced the fact that in an attempt to attract large customers, insurance companies try to offer rather low rates from those that are optimal in terms of loss. The aim of the paper is to calculate the unprofitability of the insurance portfolio of voluntary medical insurance, since this type of insurance has its own characteristics, different from other types of insurance.

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