SOA真题Course8G精算师考试

07-10-16 23:15:31    学人教育社区    加为收藏    推荐给好友

COURSE8:Fall2005-1-GOTONEXTPAGE
Health,GroupLife&ManagedCare
**BEGINNINGOFEXAMINATION**
HEALTH,GROUPLIFE&MANAGEDCARE
MORNINGSESSION
1.(3points)
(a)Explainnon-financialusesofreinsurance.
(b)Describelimitationsofreinsurance.
COURSE8:Fall2005-2-GOTONEXTPAGE
Health,GroupLife&ManagedCare
2.(3points)YouaretheactuaryforaUShealthinsurancecompany.Youhavebeenasked
tomakeapresentationtoyourBoardofDirectorsregardingtheregulatoryenvironment
foryourcompany.
(a)Describegoalsandobjectivesofinsuranceregulation.
(b)Describethelegalframeworkforinsuranceregulationandmeansofenforcement.
COURSE8:Fall2005-3-GOTONEXTPAGE
Health,GroupLife&ManagedCare
3.(7points)Youareaconsultingactuaryretainedbyanemployergroup.Followingthe
presentationofrenewalratestothegroup,youhavebeenaskedtoattendameetingto
reviewtrendcalculations.
Youaregiventhefollowinginformation:
•Allowedtrend:15
•Incurredclaims:$5,250,000
•Averagemonthlymembershipofthegroup:2,000members
•ThecurrentplanisPlanA,butthegroupisconsideringPlanB:
PlanAPlanB
Deductible$250$1,500
Coinsurance2030
Valueofthemembercostsharing(PMPM)$50$100
•Assumethevalueofthedeductibledoesnotvaryfromyeartoyear.
(a)Describeindetailexternalsourcesoftrendthatyouthinkmightbehelpfulinyour
trenddiscussion.
(b)Describecommonproblemsincomputingtrendsthatyoumightneedto
investigate.
(c)Calculatethenettrendforthetwoplansandexplainwhytheremightbea
difference.Showyourwork.
(d)DescribemajorissueswhichmightneedtobeaddressedifPlansAandBwereto
bothbeofferedasadualoption.
COURSE8:Fall2005-4-GOTONEXTPAGE
Health,GroupLife&ManagedCare
Questions4-7pertaintotheCaseStudy
4.(7points)YouaretheactuaryatWonderfulLifeandhavereceivedarequestfor
proposalfromJLBCompany(JLB)foramulti-optionhealthquoteeffectiveJanuary1,
2005.JLBcurrentlyoffersonlya$100deductibleindemnityplan.
UsingdatafoundinTablesMM-2aandMM-2bandthefollowingadditionalinformation:
􀂃TotalclaimsincurredforJuly1,2003toJune30,2004were$4,063,000.
􀂃Claimamountsinexcessof$50,000were$278,000.
􀂃Averageemployeeenrollmentduringthisperiodwas500singleand750family
contracts.
􀂃WonderfulLife’sPPOnetworkdiscountis30.
􀂃In-networkutilizationis85.
􀂃Useofthenetworkreducesutilizationby5ascomparedtoindemnity.
(a)Discusspricingconsiderationsinamulti-optionenvironment.
(b)Calculate2-tiergrosspremiumratesfora$100deductibleindemnityoption,and
a$500deductiblePPOoption,assumingnoselectionimpact.Showyourwork.
(c)OutlineconsiderationsifJLB’scurrentplanwasamanagedcareplaninsteadof
anindemnityplan.
COURSE8:Fall2005-5-GOTONEXTPAGE
Health,GroupLife&ManagedCare
Questions4-7pertaintotheCaseStudy
5.(9points)WonderfulLife’smanagementisevaluatingthecompany’sprofitandsurplus
requirements.YouaregiventhedatainTableC-1andtheassumptionthatRisk-Based
Capital(RBC)is18ofpremium.
(a)(1point)Discussmethodsofmeasuringprofit.
(b)(2points)Discussdistortionsthatmayrequireadjustmenttoavoid
misrepresentationofprofits.
(c)(3points)Describeimplicationsofthefollowingwhenmodelingrequiredsurplus
forWonderfulLife:
i.Reinsuran

loading...

上一篇:     下一篇: