The Capitation Payment Unit (CPU) fnancing mechanism constitutes more than 70% of health spending in Colombia, with a budget allocation of close to 60 trillion Colombian pesos for the year 2022 (approximately 15.7 billion US dollars). This article estimates actuarially, using modern techniques,...

In many cases there is more than one risk factor dividing the portfolio in different subclasses or sectors. One could for instance consider a first subdivision in industrial fire insurance and fire insurance covering private households. Other risk factors may be used to further classify the...