2026-04-17T11:56:13Zhttps://recercat.cat/oai/requestoai:recercat.cat:2445/1190252025-11-20T11:02:51Zcom_2072_1057col_2072_478808col_2072_478917
RECERCAT
author
Piulachs Lozada-Benavente, Xavier
author
Alemany Leira, Ramon
author
Guillén, Montserrat
author
Rizopoulos, Dimitris
2018-01-15T13:15:37Z2018-01-15T13:15:37Z2017-122018-01-15T13:15:37Z
Aging societies have given rise to important challenges in the field of health insurance. Elderly policyholders need to be provided with fair premiums based on their individual health status, whereas insurance companies want to plan for the potential costs of tackling lifetimes above mean expectations. In this article, we focus on a large cohort of policyholders in Barcelona (Spain), aged 65 years and over. A shared-parameter joint model is proposed to analyse the relationship between annual demand for emergency claims and time until death outcomes, which are subject to left truncation. We compare different functional forms of the association between both processes, and, furthermore, we illustrate how the fitted model provides time-dynamic predictions of survival probabilities. The parameter estimation is performed under the Bayesian framework using Markov chain Monte Carlo methods.
cc-by-nc-nd (c) Piulachs Lozada-Benavente, Xavier et al., 2017 http://creativecommons.org/licenses/by-nc-nd/3.0/es info:eu-repo/semantics/openAccess
Risc (Assegurances)
Estadística matemàtica
Assegurances de malaltia
Avaluació de l'assistència mèdica
Anàlisi de dades de panel
Risk (Insurance)
Mathematical statistics
Health insurance
Medical care evaluation
Panel analysis
Joint models for longitudinal counts and left-truncated time-to-event data with applications to health insurance
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion