ACTUARIAL PRESENT VALUE PADA ASURANSI LONG TERM CARE DALAM KASUS MULTISTATES

Authors

  • LOLANDA SYAMDENA
  • DODI DEVIANTO
  • HAZMIRA YOZZA

DOI:

https://doi.org/10.25077/jmu.8.3.47-54.2019

Abstract

Biaya kesehatan yang sangat mahal menimbulkan kekhawatiran orang banyak terhadap proses penyembuhan penyakitnya, terutama untuk penderita penyakit kronis, sehingga mendorong sebagian orang untuk mengikuti asuransi kesehatan. Asuransi kesehatan merupakan salah satu bentuk pelayanan kesehatan yang proses pelayanannya terdiri dari banyak keadaan yang dapat berada pada kondisi yang membaik, tetap, atau memburuk jika dibandingkan dengan kondisi sebelumnya. Pada asuransi ini perhitungan premi bersih dapat dilakukan dengan menggunakan model perhitungan stokastik, yaitu model rantai Markov. Salah satu asuransi kesehatan yang menggunakan model rantai Markov untuk menghitung premi tunggal aktuaria adalah asuransi kesehatan Long Term Care (LTC), yang dapat diikuti oleh peserta yang membutuhkan perawatan jangka panjang, seperti pasien penderita diabetes. Perpindahan keadan membaik atau memburuknya keadaan didefinisikan sebagai state, dan dapat dibuat diagram transisinya berdasarkan Diabetes Progresssion Model, yaitu Toleransi Glukosa Tergangggu (TGT), diabetes, komplikasi, dan meninggal. Peluang transisi dari suatu state ke state lainnya dapat dihitung dengan menggunakan metode Matriks Force of Transition yang membutuhkan nilai-nilai laju transisi pasien penderita diabetes, sehingga Actuarial Present Value-nya dapat dihitung secara parsial dari eleman-elemen matriks force of transition yang telah didapatkan.

Kata Kunci: Long Term Care, Multistates, Actuarial Present Value

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Published

13-12-2019

Issue

Vol. 8 No. 3 (2019)

Section

Articles

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