Comparative Study of Technical Provisioning Methods in Health Insurance: An Analytical Approach Using the Chain Ladder Method, the Mack Method and Generalized Linear Models
Keywords:
Health insurance, Chain Ladder, Financial management, Uncertainty, Mack, Generalized Linear Models, Technical reservingAbstract
This paper presents an in-depth analysis of technical reserving in health insurance, using three different methods: the Chain Ladder method (deterministic), the Mack stochastic method (stochastic) and Generalized Linear Models (GLM). The aim of this study is to compare these methods in terms of forecast accuracy, robustness and ability to consider the uncertainty inherent in health insurance claims. The scientific contribution of this research lies in the proposal of methods for improving technical reserving, thereby improving the financial management of health insurance companies.
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Copyright (c) 2025 Ayyoub SAOUDI, Ghita Hajraoui, Jamal Zahi
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