Возраст | Вероятность наступления страхового случая (q) | Убыточность страховой суммы (Sb / S) | Планируемое число договоров (n) | Основная часть нетто-ставки | Рисковая надбавка | Нетто-ставка | Нагрузка (f) | Брутто-ставка |
18 | 0.00004 | 1 | 50 000 | 0.0040% | 0.0056% | 0.0096% | 0.5 | 0.019% |
19 | 0.00004 | 1 | 50 000 | 0.0040% | 0.0056% | 0.0096% | 0.5 | 0.019% |
20 | 0.00005 | 1 | 50 000 | 0.0050% | 0.0062% | 0.0112% | 0.5 | 0.022% |
21 | 0.00005 | 1 | 50 000 | 0.0050% | 0.0062% | 0.0112% | 0.5 | 0.022% |
22 | 0.00005 | 1 | 50 000 | 0.0050% | 0.0062% | 0.0112% | 0.5 | 0.022% |
23 | 0.00005 | 1 | 50 000 | 0.0050% | 0.0062% | 0.0112% | 0.5 | 0.022% |
24 | 0.00006 | 1 | 50 000 | 0.0060% | 0.0068% | 0.0128% | 0.5 | 0.026% |
25 | 0.00006 | 1 | 50 000 | 0.0060% | 0.0068% | 0.0128% | 0.5 | 0.026% |
26 | 0.00016 | 1 | 50 000 | 0.0160% | 0.0112% | 0.0272% | 0.5 | 0.054% |
27 | 0.00017 | 1 | 50 000 | 0.0170% | 0.0115% | 0.0285% | 0.5 | 0.057% |
28 | 0.00018 | 1 | 50 000 | 0.0180% | 0.0118% | 0.0298% | 0.5 | 0.060% |
29 | 0.00018 | 1 | 50 000 | 0.0180% | 0.0118% | 0.0298% | 0.5 | 0.060% |
30 | 0.00019 | 1 | 50 000 | 0.0190% | 0.0122% | 0.0312% | 0.5 | 0.062% |
31 | 0.00019 | 1 | 50 000 | 0.0190% | 0.0122% | 0.0312% | 0.5 | 0.062% |
32 | 0.00021 | 1 | 50 000 | 0.0210% | 0.0128% | 0.0338% | 0.5 | 0.068% |
33 | 0.00022 | 1 | 50 000 | 0.0220% | 0.0131% | 0.0351% | 0.5 | 0.070% |
34 | 0.00023 | 1 | 50 000 | 0.0230% | 0.0134% | 0.0364% | 0.5 | 0.073% |
35 | 0.00024 | 1 | 50 000 | 0.0240% | 0.0137% | 0.0377% | 0.5 | 0.075% |
36 | 0.00064 | 1 | 50 000 | 0.0640% | 0.0223% | 0.0863% | 0.5 | 0.173% |
37 | 0.00066 | 1 | 50 000 | 0.0660% | 0.0227% | 0.0887% | 0.5 | 0.177% |
38 | 0.00071 | 1 | 50 000 | 0.0710% | 0.0235% | 0.0945% | 0.5 | 0.189% |
39 | 0.00082 | 1 | 50 000 | 0.0820% | 0.0253% | 0.1073% | 0.5 | 0.215% |
40 | 0.00076 | 1 | 50 000 | 0.0760% | 0.0243% | 0.1003% | 0.5 | 0.201% |
Возраст | Вероятность наступления страхового случая (q) | Убыточность страховой суммы (Sb / S) | Планируемое число договоров (n) | Основная часть нетто-ставки | Рисковая надбавка | Нетто-ставка | Нагрузка (f) | Брутто-ставка |
41 | 0.00096 | 1 | 50 000 | 0.0960% | 0.0273% | 0.1233% | 0.5 | 0.247% |
42 | 0.00092 | 1 | 50 000 | 0.0920% | 0.0268% | 0.1188% | 0.5 | 0.238% |
43 | 0.00105 | 1 | 50 000 | 0.1050% | 0.0286% | 0.1336% | 0.5 | 0.267% |
44 | 0.00116 | 1 | 50 000 | 0.1160% | 0.0300% | 0.1460% | 0.5 | 0.292% |
45 | 0.00113 | 1 | 50 000 | 0.1130% | 0.0297% | 0.1427% | 0.5 | 0.285% |
46 | 0.00235 | 1 | 50 000 | 0.2350% | 0.0427% | 0.2777% | 0.5 | 0.555% |
47 | 0.00233 | 1 | 50 000 | 0.2330% | 0.0426% | 0.2756% | 0.5 | 0.551% |
48 | 0.00255 | 1 | 50 000 | 0.2550% | 0.0445% | 0.2995% | 0.5 | 0.599% |
49 | 0.00281 | 1 | 50 000 | 0.2810% | 0.0467% | 0.3277% | 0.5 | 0.655% |
50 | 0.00292 | 1 | 50 000 | 0.2920% | 0.0476% | 0.3396% | 0.5 | 0.679% |
51 | 0.00318 | 1 | 50 000 | 0.3180% | 0.0497% | 0.3677% | 0.5 | 0.735% |
52 | 0.00347 | 1 | 50 000 | 0.3470% | 0.0519% | 0.3989% | 0.5 | 0.798% |
53 | 0.00379 | 1 | 50 000 | 0.3790% | 0.0542% | 0.4332% | 0.5 | 0.866% |
54 | 0.00387 | 1 | 50 000 | 0.3870% | 0.0548% | 0.4418% | 0.5 | 0.884% |
55 | 0.00439 | 1 | 50 000 | 0.4390% | 0.0584% | 0.4974% | 0.5 | 0.995% |
56 | 0.00481 | 1 | 50 000 | 0.4810% | 0.0611% | 0.5421% | 0.5 | 1.084% |
57 | 0.00515 | 1 | 50 000 | 0.5150% | 0.0632% | 0.5782% | 0.5 | 1.156% |
58 | 0.00562 | 1 | 50 000 | 0.5620% | 0.0660% | 0.6280% | 0.5 | 1.256% |
59 | 0.00594 | 1 | 50 000 | 0.5940% | 0.0678% | 0.6618% | 0.5 | 1.324% |
60 | 0.00668 | 1 | 50 000 | 0.6680% | 0.0719% | 0.7399% | 0.5 | 1.480% |
61 | 0.00700 | 1 | 50 000 | 0.7000% | 0.0736% | 0.7736% | 0.5 | 1.547% |
62 | 0.00758 | 1 | 50 000 | 0.7580% | 0.0766% | 0.8346% | 0.5 | 1.669% |
63 | 0.00819 | 1 | 50 000 | 0.8190% | 0.0796% | 0.8986% | 0.5 | 1.797% |
64 | 0.00896 | 1 | 50 000 | 0.8960% | 0.0832% | 0.9792% | 0.5 | 1.958% |
65 | 0.00906 | 1 | 50 000 | 0.9060% | 0.0836% | 0.9896% | 0.5 | 1.979% |
66 | 0.01264 | 1 | 50 000 | 1.2640% | 0.0986% | 1.3626% | 0.5 | 2.725% |
67 | 0.01345 | 1 | 50 000 | 1.3450% | 0.1017% | 1.4467% | 0.5 | 2.893% |
68 | 0.01456 | 1 | 50 000 | 1.4560% | 0.1057% | 1.5617% | 0.5 | 3.123% |
69 | 0.01654 | 1 | 50 000 | 1.6540% | 0.1126% | 1.7666% | 0.5 | 3.533% |
70 | 0.01746 | 1 | 50 000 | 1.7460% | 0.1156% | 1.8616% | 0.5 | 3.723% |
А.3. Расчет базового тарифа для мужчин по риску «признание застрахованного умершим на основании вступившего в законную силу решения суда»
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Из за большого объема этот материал размещен на нескольких страницах:
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