Economic shocks, high inflation, longevity, and new emerging technologies make the long-term health care insurance challenging for insurers. To overcome this problem, an indexing mechanism has been employed to update predicted premiums based on the new information in hand. Such indexing mechanisms have thus far failed to consider the available policyholder’s risk experience at its updating time. This article employs the well-known bonus–malus system to introduce a bonus–malus indexing mechanism that takes into account the policyholder’s risk experience in its updating mechanism. More precisely, it uses the bonus–malus system’s idea to update the premium of each policyholder based upon her or his risk experience as well as updated inflation. The theoretical foundation of this approach has been developed and its practical implementation is shown through a simulation study.

经济冲击、高通胀、长寿和新兴技术使长期医疗保险对保险公司构成挑战。为了克服这个问题，采用了索引机制来根据现有的新信息更新预测的保费。迄今为止，此类索引机制未能考虑更新时可用保单持有人的风险体验。本文采用著名的红利-恶意系统，引入了红利-恶意指数机制，其更新机制考虑了投保人的风险体验。更准确地说，它利用红利-恶意系统的思想，根据每个保单持有人的风险经历以及最新的通货膨胀来更新其保费。