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31 Precise estimation of earthquake losses is a major subject of today's research on disaster reduction and a presupposition for determination of earthquake insurance premium rate.

32 The premium rate is fix on the basis of the past statistical loss figures.

33 Results The procedure and method of calculating level premium rate in whole life hospital daily allowance insurance and hospital expense insurance are provided. Conclusion The calcula...

34 Objective : To study a bivariate risk model with variable premium rate.