New approaches to risk assessment of critical illness

The paper is a brief characterization of critical diseases, with emphasis on the most widely used incurable disease (cancer and AIDS) and their insurance at present days. Due to the high risk of this insurance for insurance companies, most of them preferring to allow insurance critical illness only as a supplementary insurance. Furthermore, we deal with insurance with acceleration, which in the case of diagnosis of a critical illness insurance policy referred to in accelerating characterizes insurance benefits. Here we are switching commutation columns for this form of insurance and resulting formulas for the calculation of premiums for temporary and mixed insurance with acceleration. In conclusion we deal with critical illness insurance separate independent supplementary cover. This article was created within the project VEGA 1/0236/15.