Rakonjac Antić, prof. dr Tatjana
Tatjana Rakonjac Antić was born in 1969 in Kruševac, where she finished primary and secondary school. She graduated from the Faculty of Economics, University of Belgrade, where she also gained master's and doctoral degrees.Tatjana started her working life as an associateat the Faculty of Economics in Belgradein 1992 and in 2014 was elected a full professor for the expert scientific field of Economic Policy and Development - Insurance, Pension and Health Insurance and Insurance Tariffs. Tatjana Rakonjac Antić lectures at undergraduate academic studies in Insurance and Pension and Health Insurance subjects and at postgraduate studies in the subjects of Insurance Analysis and Pension and Health Insurance Analysis. From the beginning of her work at the Faculty of Economics until today, Tatjana Rakonjac Antić has published a number of papers in the scientific and professional journals and proceedings. She has been engaged in numerous projects and participated in many domestic and international scientific and professional symposiums. She is a member of the Serbian Scientific Society of Economists and the Serbian Association of Actuaries.
E-mejl: rakonjacantic@ekof.bg.ac.rs
DETERMINATION OF THE INSURER'S SELF-MAINTENANCE IN THE CONDITIONS OF GROWING REINSURANCE PRICES
Reinsurance provides protection o the Insurer against large and cata- strophe claims and mitigates fluctuations in the aggregate amount of claims, thus contributing to the reduction in insolvency risk. However, a transfer of part of liability under the insurance contract to the reinsurer comes at a price, which reduces the Insurer’s profitability. The current increase in reinsurance prices, which was caused by a constellation if natural, macroeconomic and political shocks, is one of the largest ever. Under such circumstances, stating the adequate self-retention is of crucial significance for the Insurer’s performance. The paper presents a possible approach to definig the level of self-retention based on the revenue and risks. The approach is based on stochastic simulations of the probability distribution of the aggregate amount of claims at the level of the insurance portfolio and the effects of different reinsurance programs on such distribution, in order to select the program that achieves the maximum ratio between the revenue and risk. Such a reinsurance program corresponds to a level of self-retention that is optimal for a given insurer.
FORMS OF HEALTH CARE DELIVERY IN THE UNITED STATES OF AMERICA
In the United States of America (USA), health care can be predominantly
obtained through private health insurance (individually purchased or
employer-provided), under publicly funded social security programs (among
which most common are Medicare and Medicaid schemes), and since 2010,
through mandatory health insurance. On the USA territory, the most up-todate healthcare technology is used, total spending on health care is extremely
high (as a consequence of increased demand for health care services, higher
investments in scientifi c researches in the area of healthcare, etc.), whereas in
2000, the World Health Organization ranked the U.S. health care system only
37th. Life expectancy in the USA does not rank among the top in the world,
and for particular categories of insureds there is no adequate access to health
care. The changes introduced to the U.S. health care system are aimed at
resolving the aforementioned problems. The implementation of mandatory
health insurance seeks to create conditions for the provision of universal health
coverage and a strong correlation between high health care prices and high
health care effi ciency.
Key words: health insurance, health care, USA, Medicare scheme, Medicaid
scheme