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Hiv, Aids, Markov Processes, And Health And Disability Insurance, Steven Haberman
Hiv, Aids, Markov Processes, And Health And Disability Insurance, Steven Haberman
Journal of Actuarial Practice (1993-2006)
This paper presents a Markov model of the transmission and development of HIV and AIDS. The Markov model is used to derive functions needed in the calculation of disability insurance premiums, reserves, and cash flows. An application to health insurance and disability insurance is provided.