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Advisor(s)
Abstract(s)
Em Portugal, a tarifa de acidentes de trabalho baseia-se na aplicação de uma
taxa à massa salarial anual de uma empresa. Esta taxa varia mediante o sector de
actividade, uma vez que este explica as diferenças de frequência e do montante das
indemnizações.
A ocorrência de um acidente de trabalho desencadeia diferentes prestações: em
espécie e em dinheiro. No entanto, a variável explicativa paxa a tarifação é somente
a massa salarial, apesar de as prestações em espécie dependerem mais do número de
pessoas seguras do que dos salários das mesmas.
Neste trabalho, apresenta-se uma tarifa que assume como variáveis explicativas o
número de pessoas seguras e a massa salarial, considerando igualmente, o código de
actividade económica como critério de classificação à priori.
Inicialmente, para a obtenção desta tarifa, pensou-se no modelo colectivo de risco
que, mais tarde, se verificou não ser possível aplicar. Recorreu-se então ao modelo
regressional que, com o auxilio da técnica da semi-linearização, permitiu obter uma
tarifa para este ramo do sector segurador.
In Portugal, the workers compensation tariff is based in the application of a rate to the total annual wages of each enterprise. This rate varies according to the sector of economic activity since it has been proved that the sector explains the differences found in tenns of the frequency and amount of the indemnizations. The occurrence of a work accident leads to different kinds of allowances: monetary and in species. Even though the allowances in species are usually better associated with the number of insured workers, the wages are the solely controlled variable used in the calculation of the tariff. In this work, it is presented a tariff that assumes the number of insured workers and the wages as its controlled variables. The sector of economic activity is also considered as an a priori criterion of classification. Initially, to obtain this tariff, it was though to use the Collective Risk Model that, latter on, proved to be inapplicable. The final option was to use the semi-linearization technique applied to the regression model with which was obtained a tariff for this branch of the insurance sector.
In Portugal, the workers compensation tariff is based in the application of a rate to the total annual wages of each enterprise. This rate varies according to the sector of economic activity since it has been proved that the sector explains the differences found in tenns of the frequency and amount of the indemnizations. The occurrence of a work accident leads to different kinds of allowances: monetary and in species. Even though the allowances in species are usually better associated with the number of insured workers, the wages are the solely controlled variable used in the calculation of the tariff. In this work, it is presented a tariff that assumes the number of insured workers and the wages as its controlled variables. The sector of economic activity is also considered as an a priori criterion of classification. Initially, to obtain this tariff, it was though to use the Collective Risk Model that, latter on, proved to be inapplicable. The final option was to use the semi-linearization technique applied to the regression model with which was obtained a tariff for this branch of the insurance sector.
Description
Mestrado em Ciências Acturiais
Keywords
Acidentes de Trabalho Variáveis Explicativas Versão Vectorial do Modelo Colectivo de Risco Regressão Técnica da Semi-hnearização Tarifa Workers compensation Controlled Variable Vectorial version of the Collective Risk Model Semi-linearization Regression
Pedagogical Context
Citation
Ribeiro, Mónica Luísa Pereira de Paiva (2003). " Semi-linearização. Aplicação a uma tarifa de acidentes de trabalho". Dissertação de Mestrado. Universidade Técnica de Lisboa. Instituto Superior de Economia e Gestão..
Publisher
ISEG