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Actuarial Pricing of Health Insurance for Breast Cancer Patients Using Markov Chain Method

KUBIK: Jurnal Publikasi Ilmiah Matematika · Vol. 11 No. 1 (2026) · hlm. 65–75

DOI
10.15575/kubik.v11i1.55191
ISSN
2686-0341, 2338-0896
Terbit
2026-05-30
Penerbit
Department of Mathematics, Faculty of Science and Technology, UIN Sunan Gunung Djati Bandung
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Breast cancer is a critical illness frequently experienced by women and requires high treatment costs. This can become a significant financial burden, especially if treatment continues over a long period. Health insurance serves as a financial protection solution to mitigate this risk. This study aims to calculate the net single premium for health insurance for breast cancer patients using the Markov chain method. A multistate model was built with five states: stage I, II, III, IV, and death. Patient transition data was obtained from the medical records of the Abdul Moeloek Regional General Hospital for the years 2023–2024. The results show that the net single premium increases with the extension of the coverage period. The net single premium for breast cancer patients over a 5-year period is. For periods of 6, 7, 8, 9, and 10 years, the premiums are 4,68 times, 9,08 times, 14,06 times, 19,48 times, and 25,25 times larger, respectively, compared to the net single premium for the 5-year period.premium.

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  • Sumatera Institute of Technology
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Muklas RivaiAfiliasi tidak diketahui1
Ilham SatrioSumatera Institute of Technology1
Muhammad Syauki TarmiziAfiliasi tidak diketahui1
Niken PratiwiSumatera Institute of Technology1
Aulia Khairani HutabaratSumatera Institute of Technology1
Doni Hardian HalawaSumatera Institute of Technology1
Nadia FrasiskaSumatera Institute of Technology1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/kubik/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Actuarial Pricing of Health Insurance for Breast Cancer Patients Using Markov Chain Method</dc:title>
	<dc:creator>Lestari, Fuji</dc:creator>
	<dc:creator>Alma, Zalikha</dc:creator>
	<dc:description xml:lang="en-US">Breast cancer is a critical illness frequently experienced by women and requires high treatment costs. This can become a significant financial burden, especially if treatment continues over a long period. Health insurance serves as a financial protection solution to mitigate this risk. This study aims to calculate the net single premium for health insurance for breast cancer patients using the Markov chain method. A multistate model was built with five states: stage I, II, III, IV, and death. Patient transition data was obtained from the medical records of the Abdul Moeloek Regional General Hospital for the years 2023–2024. The results show that the net single premium increases with the extension of the coverage period. The net single premium for breast cancer patients over a 5-year period is . For periods of 6, 7, 8, 9, and 10 years, the premiums are&amp;nbsp;4,68 times, 9,08 times, 14,06 times, 19,48 times, and 25,25 times larger, respectively, compared to the net single premium for the 5-year period.premium.</dc:description>
	<dc:publisher xml:lang="en-US">Department of Mathematics, Faculty of Science and Technology, UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2026-05-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/kubik/article/view/55191</dc:identifier>
	<dc:identifier>10.15575/kubik.v11i1.55191</dc:identifier>
	<dc:source xml:lang="en-US">KUBIK: Jurnal Publikasi Ilmiah Matematika; Vol. 11 No. 1 (2026): KUBIK: Jurnal Publikasi Ilmiah Matematika; 65-75</dc:source>
	<dc:source xml:lang="id-ID">KUBIK; Vol 11 No 1 (2026): KUBIK: Jurnal Publikasi Ilmiah Matematika; 65-75</dc:source>
	<dc:source>2686-0341</dc:source>
	<dc:source>2338-0896</dc:source>
	<dc:source>10.15575/kubik.v11i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/kubik/article/view/55191/17540</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2026 Fuji Lestari, Zalikha Alma</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>