The implicit (un)healthy life expectancy used for pricing long-term care insurance and life care annuities

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This paper examines the implicit healthy life expectancy (HLE) used for actuarial calculations in some selected biometric data sets from Australia, China, Portugal, Spain and the US. We are interested in checking the demographic and epidemiological coherence of these data sets because this health indicator is rarely presented when authors build their biometric data sets, nor when they are used to calculate long-term care insurance (LTCI) and life care annuity (LCAs) premiums, nor when they are employed in research articles to estimate the future demand for LTC services in a particular country.
En este artículo se examina la esperanza implícita de vida en buena salud (EVS) que se desprende de un conjunto de datos biométricos seleccionados de Australia, China, Portugal, España y Estados Unidos. Nos interesa comprobar la coherencia demográfica y epidemiológica de estas tablas de mortalidad/morbilidad porque este indicador rara vez se presenta cuando son construidas, ni cuando se utilizan para calcular las primas de los seguros de dependencia (LTCI) y las rentas con cobertura de dependencia (Life care annuities), ni cuando se emplean en artículos de investigación para estimar la demanda futura de servicios asociados a la dependencia en un país concreto.
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