| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 32.25 MB | Adobe PDF |
Abstract(s)
O aparelho circulatório é uma caixa de surpresas quanto a patologias, suas consequências e sequelas. Hoje em dia as doenças cardiovasculares são a principal causa de morte e incapacidade em Portugal.
Em Portugal, como de resto tem acontecido na maioria dos países desenvolvidos, tem-se verificado um envelhecimento demográfico da população, como resultado do declínio da natalidade e do aumento da longevidade. O envelhecimento da população é um processo dinâmico e progressivo que leva à diminuição da capacidade funcional e ao desenvolvimento de doenças crónicas.
Face a esta realidade, as seguradoras de saúde têm de ser capazes de adequar a sua oferta às tendências demográficas. O progressivo aumento dos escalões etários abrangidos pelos seguros tem sido uma evolução natural do sector em Portugal, havendo atualmente oferta para o segmento etário das pessoas mais idosas, que era anteriormente uma reconhecida limitação. Além disso, o mercado segurador tem dado maior atenção a este problema, ao disponibilizar hoje uma oferta significativa de seguros sem limite de idade de permanência.
A Multicare, instituição de acolhimento deste doutoramento em empresa, pretende preparar-se para ser capaz de segurar a saúde de uma população envelhecida com o controlo dos riscos inerentes. Tendo as doenças cardiovasculares uma tendência de prevalência crescente com a idade e estando também elas associadas a um grande número de incapacidades que acarretam custos avultados, o envelhecimento da população torna premente a necessidade de estudar com maior detalhe o risco em questão.
Este projeto de doutoramento tem como objetivo final analisar a viabilidade para a Multicare em segurar este risco de uma forma mais específica que aquela que atualmente se comercializa no mercado português. Assim, no decorrer do trabalho apresenta-se a construção e implementação teórica de um modelo específico de cálculo de prémio para o risco inerente às doenças cardiovasculares, numa perspetiva anual renovável.
At the present time, cardiovascular diseases constitute the main cause of death and physical disabilities in Portugal. Age is one of the main risk factors in the onset of cardiovascular diseases as the older the person is, the more vulnerable people are to these disorders. In the majority of developed countries, including Portugal, an increasing ageing population is a result of a falling birth rate coupled with an increase in life expectancy. Ageing is dynamic process that causes major changes in the human body leading to a loss of functional capacity and increase in chronic illness. Due to these realities, health insurers must be able to adjust their policies to these demographic trends. The inclusion of elder groups in insurance coverage has been in Portugal a natural development which has until recently been viewed as a handicap for the industry. Yet the insurance market has been demonstrating its flexibility by willingness to o↵er policies which set no age limits for benefits. Multicare, the leader in health insurance in Portugal and sponsor of this Ph.D. project, wants to prepare itself to be able to insure the health of an ageing population by controlling the inherent risks concerning this group. The reality of increasing age leading to increasing risk of cardiovascular diseases and other disabilities which require high costs to treat make necessary a thorough study of this issue, that is insuring an ageing population more prone to poor health requiring expensive treatment. The present industrial Ph. D. project aims therefore to analyse Multicare’s viability to insure these risks more specifically than usually done in Portugal. This study intends to show the development of theory and implementation of a specific model for insurance premium calculations, annually renewable, for the risks associated with cardiovascular diseases connected with ageing.
At the present time, cardiovascular diseases constitute the main cause of death and physical disabilities in Portugal. Age is one of the main risk factors in the onset of cardiovascular diseases as the older the person is, the more vulnerable people are to these disorders. In the majority of developed countries, including Portugal, an increasing ageing population is a result of a falling birth rate coupled with an increase in life expectancy. Ageing is dynamic process that causes major changes in the human body leading to a loss of functional capacity and increase in chronic illness. Due to these realities, health insurers must be able to adjust their policies to these demographic trends. The inclusion of elder groups in insurance coverage has been in Portugal a natural development which has until recently been viewed as a handicap for the industry. Yet the insurance market has been demonstrating its flexibility by willingness to o↵er policies which set no age limits for benefits. Multicare, the leader in health insurance in Portugal and sponsor of this Ph.D. project, wants to prepare itself to be able to insure the health of an ageing population by controlling the inherent risks concerning this group. The reality of increasing age leading to increasing risk of cardiovascular diseases and other disabilities which require high costs to treat make necessary a thorough study of this issue, that is insuring an ageing population more prone to poor health requiring expensive treatment. The present industrial Ph. D. project aims therefore to analyse Multicare’s viability to insure these risks more specifically than usually done in Portugal. This study intends to show the development of theory and implementation of a specific model for insurance premium calculations, annually renewable, for the risks associated with cardiovascular diseases connected with ageing.
Description
Keywords
doenças cardiovasculares probabilidades de ocorrência custos prémios custos truncados pelo capital cardiovascular diseases probability of occurrence costs premiums truncated costs by depletion capital