Determination of Annual Net Single Premium Health Insurance for Epidemic Cases with Model Susceptible-Infected-Recovered

Astrid Fitriolita; Agung Prabowo; Mashuri Mashuri; Suryanto Suryanto; Usman Abbas Yakubu

doi:10.46336/ijqrm.v4i4.501

Determination of Annual Net Single Premium Health Insurance for Epidemic Cases with Model Susceptible-Infected-Recovered

Astrid Fitriolita, Agung Prabowo, Mashuri Mashuri, Suryanto Suryanto, Usman Abbas Yakubu

Abstract

The calculation of a single annual net premium for health insurance from the epidemic disease SIR model has two models, including a single annual net premium with an inpatient benefit model and a single annual net premium with a lump sum benefit model. This study used Bank Indonesia’s annual interest rate of 6,5% and the calculation used the equivalence principle. The calculation results from one of the original data obtained an annual net single premium with inpatient benefits is IDR 418,359 for a benefit IDR 1,000,000 and the single annual net premium with lump sum benefits is IDR 15,949 for a benefit of IDR 1,000,000.

Keywords

: SIR Model, Single Annual Net Premium, Insurance Benefit, Equivalence Principle.

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DOI: https://doi.org/10.46336/ijqrm.v4i4.501