Initial selection for Permanent Health Insurance

Maria-Cristina Gutierrez-Delgado

Research output: Contribution to journalArticlepeer-review

1 Citation (Scopus)


We investigate the effect of underwriting during the first few years of a policy's life (the initial selection effect) on the individual Permanent Health Insurance claim inceptions by fitting a generalized linear model. Initial selection is found to be significant and we describe its effect using a factor and a ratio that collect the influence of the policy duration detected through the fitted model. Results from both measures suggest that its effect, against intuition, is negative in most cases. © 1999 Elsevier Science B.V.

Original languageEnglish
Pages (from-to)373-385
Number of pages13
JournalInsurance: Mathematics and Economics
Issue number3
Publication statusPublished - 10 Dec 1999


  • Claim inception ratio
  • Disability Income Insurance
  • Generalized linear models
  • Initial selection
  • Permanent Health Insurance
  • Policy duration


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