بررسی اجمالی مفاهیم نظری و تجربی قیمت گذاری بیمه عمومی

It seems more and more that we live in a society afraid of everything, where everything can be considered as risk taking. This feeling of uncertainty and fear leads many individuals to manifest a great interest for safety. In the context of a risky society, the requirement for insurances is becoming more and more pronounced, the main concerns of the insureds being the guarantee of financial safety and security against a possible loss on a particular event. The entire process of insurance consists in offering an equitable method of transferring the risk in exchange for a predetermined price or tariff. This article is a review paper that describes the fundamental concepts of insurance pricing and reviews the main statistical tools used in insurance to reasonably discriminate the price.