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The Impact of a Pandemic Influenza on Mortality, Temporary Disability and Hospitalization Risks for the Protection Insurance and Hedging Strategies

Author

Listed:
  • Marine Habart Corlosquet

    (Lab-STICC_TB_CID_DECIDE - Lab-STICC - Laboratoire des sciences et techniques de l'information, de la communication et de la connaissance - UEB - Université européenne de Bretagne - European University of Brittany - ENIB - École Nationale d'Ingénieurs de Brest - UBS - Université de Bretagne Sud - UBO - Université de Brest - Télécom Bretagne - IBNM - Institut Brestois du Numérique et des Mathématiques - UBO - Université de Brest - ENSTA Bretagne - École Nationale Supérieure de Techniques Avancées Bretagne - IMT - Institut Mines-Télécom [Paris] - CNRS - Centre National de la Recherche Scientifique, LUSSI - Département Logique des Usages, Sciences sociales et Sciences de l'Information - UEB - Université européenne de Bretagne - European University of Brittany - Télécom Bretagne - IMT - Institut Mines-Télécom [Paris], Institut de Géoarchitecture - UBS - Université de Bretagne Sud - UBO - Université de Brest - IBSHS - Institut Brestois des Sciences de l'Homme et de la Société - UBO - Université de Brest)

  • Jacques Janssen

    (ULB - Université libre de Bruxelles)

  • Philippe Lenca

    (Lab-STICC_TB_CID_DECIDE - Lab-STICC - Laboratoire des sciences et techniques de l'information, de la communication et de la connaissance - UEB - Université européenne de Bretagne - European University of Brittany - ENIB - École Nationale d'Ingénieurs de Brest - UBS - Université de Bretagne Sud - UBO - Université de Brest - Télécom Bretagne - IBNM - Institut Brestois du Numérique et des Mathématiques - UBO - Université de Brest - ENSTA Bretagne - École Nationale Supérieure de Techniques Avancées Bretagne - IMT - Institut Mines-Télécom [Paris] - CNRS - Centre National de la Recherche Scientifique, LUSSI - Département Logique des Usages, Sciences sociales et Sciences de l'Information - UEB - Université européenne de Bretagne - European University of Brittany - Télécom Bretagne - IMT - Institut Mines-Télécom [Paris])

  • Raimondo Manca

    (UNIROMA - Università degli Studi di Roma "La Sapienza" = Sapienza University [Rome])

Abstract

As far as Protection Insurance is concerned, the emergence of an influenza pandemic could lead to an excess of claims in the insured population. A pandemic would obviously have a significant impact on Death risk, but could also affect the risk of Temporary Disability and Hospitalisation. The aim of this article is to determine how to model the effects of a pandemic event on mortality risk, and to analyse how a pandemic may affect the risk of Temporary Disability and Hospitalisation. Knowing that a pandemic could cause bankruptcy in the worst scenarios, an insurance company should consider buying adequate coverage. The last part of this article is devoted to the search for a solution to hedge against a pandemic event. This overview is not limited to standardized products sold by reinsurers, but more elaborate and exotic offers are described, with their advantages and drawbacks.

Suggested Citation

  • Marine Habart Corlosquet & Jacques Janssen & Philippe Lenca & Raimondo Manca, 2014. "The Impact of a Pandemic Influenza on Mortality, Temporary Disability and Hospitalization Risks for the Protection Insurance and Hedging Strategies," Post-Print hal-01185087, HAL.
    • Handle: RePEc:hal:journl:hal-01185087
    as

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