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{
"title": "2016_000359e9029defe205a48885c3102e6a.pdf"
}
|
4
Abstract
In France, lengthening life expectancy forecasts an increase of the dependency phenomenon
for the future decades.
This dissertation presents first the definition of dependency, the different ways of evaluating
the level of senior’s dependency and the different assistance offered by government
and private insurances in order to finance the loss of autonomy. This part enables to
understand perspectives and stakes related to aging of the population.
The aim of this dissertation is to develop compartmental laws of policyholders, termination
and partial retention, having created beforehand a reliable database, in order to mesure the
impact on provisioning.
The estimation of exit’s gross rate has been made through Hoem’s likelihood estimation. The
|
1
|
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] |
{
"title": "2016_000359e9029defe205a48885c3102e6a.pdf"
}
|
choice of this estimator enables to calculate the exact exit risk exposure of a policyholder.
The reached rates have been sharpened by age groups, then smoothed by the Whittaker-
Henderson average.
This laws have been integrated in the forecast model of S2 Dependence of Predica
(Prophets). Moving to partial guarantees retention is possible and would have been
previously modeled as well as all the linked flows.
Then, we compared the different flows trajectories between the new and the former model,
namely the one that does not allow the transition to partial retention throughout the
projection. Afterwards, we proceeded to tendency study in the partial retention rates given
that the started tariff revision process could have an impact on the policyholders behaviour.
|
10
|
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{
"title": "2016_000359e9029defe205a48885c3102e6a.pdf"
}
|
conserver une garantie réduite en cas d’entrée en dépendance.
Lissage des taux bruts
Les taux bruts de sorties ont ensuite été lissés par la méthode de Whittaker-Henderson.
Cette méthode repose sur la combinaison d’un critère de fidélité et d’un critère de régularité
et d’en rechercher les valeurs ajustées qui minimisent la somme des deux critères, obtenue
par :
Avec et des paramètres du modèle.
Majoration de lois
Afin de mesurer l’impact de la révision tarifaire sur le comportement des assurés et ainsi de
mener une étude de sensibilité sur la déformation du portefeuille, nous déterminons un taux
de majoration à appliquer sur les taux de sortie en cas de révision tarifaire. L’unique année
|
100
|
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{
"title": "2016_000359e9029defe205a48885c3102e6a.pdf"
}
|
Un individu peut bénéficier de l’APA sous conditions, d’avoir 60 ans ou plus, de résider en
France et d’être en perte d’autonomie, c’est-à-dire évaluée par une équipe médico-sociale à
l’aide de la grille AGGIR dont le degré de dépendance est classé dans l’un des groupes 1 à 4.
L’état de dépendance partielle GIR 4 a été introduit par la nouvelle loi.
Si l’individu remplit ces critères, il peut toucher l’APA quel que soit son revenu. Cependant le
montant mensuel perçu dépend du revenu mais aussi de la nature de sa demande si c’est à
domicile ou en établissement.
De plus l’APA ne fait plus l’objet de récupération ni de son vivant, ni sur la succession, depuis
la promulgation de la loi de 2001.
L’APA à domicile :
|
1000
|
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{
"title": "2016_0385d80451de5c2ac868eb3227756a80.pdf"
}
|
quantitatives d’impact supplémentaires (QIS4 et QIS5) et spécifiques (LTGA) pour entrer
finalement en vigueur au 1er janvier 2016.
1.1. Une architecture à trois piliers
La Directive Solvabilité II est construite autour des trois piliers suivants :
Figure 1 – Solvabilité II : une architecture à trois piliersLe cadre réglementaire : la Directive Solvabilité II
Optimisation de la solvabilité de Swiss Life sous Solvabilité II
par des approches ALM sur le fonds euros, en environnement de taux bas
14/155
Le pilier I définit les exigences quantitatives, afin de déterminer les niveaux de capitaux
à détenir pour chaque compagnie et de calculer la couverture de cette exigence par les
fonds propres éligibles.
|
10000
|
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{
"title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf"
}
|
Un deuxième théorème, le théorème central limite, permet de mesurer l’importance des fluctuations
auquel l’assureur fait face en fonction de la taille du portefeuille, lorsque celle-ci est assez grande.
En effet, le théorème stipule que, pour des variables indépendantes de même espérance ,
finie et de même variance , alors on a :
Avec étant la répartition d’une loi normale.
Pour plus de détails sur ces principes fondateurs de l’assurance, le lecteur est invité à consulter
l’article de CHARPENTIER (CHARPENTIER, 2001) qui revisite l’application de ces théories à
l’assurance.
B. Risque Systématique (risque non mutualisable)
Le paragraphe précédent partait du principe que d’une part, la population suivait un profil de
|
100000
|
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{
"title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf"
}
|
physiques, cela revient simplement à répondre aux questions de l’assureur. Pour la
collectivité, il s’agit de décrire très précisément le risque qu’elle entend assurer et les
circonstances qu’elle connait déjà. Cette description sert de base à l’évaluation des risques. Il
est souvent difficile pour une collectivité d’évaluer les risques qu’elle encourt. Les raisons
peuvent être diverses et varient considérablement d’une structure à une autre. En fonction
de leur patrimoine, de leur implantation géographique (zones inondables, zones urbaines,
servitudes d’utilité publique…) ou bien encore de leur personnel, les collectivités ne sont pas
sur un pied d’égalité. C’est pourquoi elle se fera très souvent aider par un auditeur
|
100001
|
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{
"title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf"
}
|
indépendant de toute compagnie d’assurance dans la rédaction d’un cahier des charges. Ce
cahier des charges préfigure le futur contrat d’assurance. En effet, sauf précisions de
l’assureur, c’est le cahier des charges qui fait office de contrat. Le dossier de consultation
comporte les conditions générales et les conditions particulières, propres à la collectivité et
établies après analyse des risques. Ceci permettra ainsi une couverture optimale de la
collectivité qui ne sera pas excessive et qui lui permettra de maîtriser son budget assurance.
La collectivité peut s’appuyer sur ses propres statistiques de sinistralité des dernières années
et ainsi identifier les points sur lesquels elle doit être vigilante. En cas de récurrence de
|
100002
|
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] |
{
"title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf"
}
|
certains sinistres de faible coût, il peut être envisagé une part d’autoassurance afin de
réintroduire une part d’aléa et de réduire les primes versées. A l’inverse, trop augmenter les
franchises pourrait déboucher sur une indemnisation à la marge des sinistres. Il conviendra
ainsi de déterminer de façon précise dans le cahier des charges les garanties souhaitées et
pour quels montants. Ces montants ne doivent pas basculer dans les extrêmes. Ils ne doiventArbitrage entre mutualisation et segmentation : le cas des assurances dommages de
collectivités. M.PLISSON, B.ROSSARD
- 121 -
pas être excessifs (sur-assurance), ce qui entraînerait une augmentation inutile de la cotisation
|
100003
| [0.03649003058671951,-0.018308009952306747,0.011587671004235744,0.3316732347011566,0.074504956603050(...TRUNCATED)
|
{
"title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf"
}
| "ou la qualification de fraude. Ils ne doivent pas non plus être sous-estimés (sous-assurance), \n(...TRUNCATED)
|
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