Využitie poistnej matematiky v zdravotnom a nemocenskom poistení

The development of health and sickness insurance plans displays some specific features in each country. Consequently, national plans of health and sickness vary across countries. The au-thors pay a special attention to contemporary conditions in this area in Great Britain, Slovakia and United States. The process of approximation, as described in the introductory part of the paper, has been started as a result of harmonization in Europe, as well as of the increase in an overall movement of persons on international level. One of the means of approximation is actuarial mathe-matics, which is dealt with in the final part of this paper. This mathematical instrument is currently applied in all the countries mentioned.More and more often in actuarial calculations in life insurance use is made of new modern methods. The old deterministic approach is giving way to new stochastic methods. One example of a deterministic method is dealt with in this article. The authors go on to show how the models described can be used to carry out actuarial calculations for a model sickness insurance contract and a model health contract. Calculation of the premium for each model contract is carried out by following the transitions between the various states. The authors believe that the unifying appro-ach provided by deterministic models is very important also for a Slovak insurance companies, it allows a well organized presentation of the statistics of the sickness insurance of the person and, in particular, of health care.