基于SIH型流行病模型的健康保险设计与财务分析
Design and Financial Analysis of a Health Insurance Based on an SIH-Type Epidemic Model
AI总结：
本文基于SIH型流行病模型设计健康保险，通过连续与离散动力学分析及数值模拟，揭示地方病场景下保费、最低启动资本和利润的变化规律，并识别出各财务量最敏感的参数。
摘要：
我们提出了一种基于SIH型流行病模型的健康保险设计与财务分析。具体而言，我们首先以连续形式构建该模型，研究其动力学性质，并表述我们保险中涉及的财务量。随后，我们使用前向欧拉方法对该模型进行离散化，研究所得到的离散模型的动力学性质，并表述上述财务量的离散对应形式。我们使用两组参数值进行数值模拟，分别代表无病场景和地方病场景，结果表明，在后一种场景中，与前一场景的相应值相比，保险的毛保费更高，保险人防止损失的最低启动资本更低，保险人的总利润更高。最后，通过敏感性分析，我们表明，在两种场景中，疾病的基本再生数、毛保费、最低启动资本和总利润分别对人口自然死亡系数、疾病发生率系数、住院给付以及分配给利润的保费附加百分比最为敏感。
英文摘要：
We present a design and financial analysis of a health insurance based on an SIH-type epidemic model. Specifically, we first construct the model in a continuous form, study its dynamical properties, and formulate the financial quantities involved in our insurance. Subsequently, we discretise the model using the forward Euler method, study the dynamical properties of the resulting discrete model, and formulate discrete analogues of the above financial quantities. We conduct a numerical simulation using two sets of parameter values, each representing a disease-free and an endemic scenario, which reveals that in the latter scenario, the insurance's gross premium is higher, the insurer's minimum loss-preventing start-up capital is lower, and the insurer's total profit is higher, compared to the corresponding values in the former scenario. Finally, through a sensitivity analysis, we show that in both scenarios, the disease's basic reproduction number, the gross premium, the minimum start-up capital, and the total profit depend most sensitively on the population's natural death coefficient, the disease's incidence coefficient, the hospitalisation benefit, and the premium surcharge percentage allocated to profit, respectively.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
