Construction of multi-state life tables for critical illness insurance – influence of age and sex on the incidence of health inequalities
Construction of multi-state life tables for critical illness insurance – influence of age and sex on the incidence of health inequalities

Summary/Abstract: The aim of the paper is twofold. The first one is to present the multi-state life tables associated with the insurance against the risk for lung cancer. Probabilistic structure of the model regarding incidence and mortality rates of lung cancer takes into account many factors such as a patient’s health condition (mild and critical), the probability of remaining in mild state of health and the probability of state of health deterioration. The lifetime in a critical state is analyzed in detail. The probability of death of a patient is also analysed according to the health condition. The analysis of the influence of inequalities in health caused by gender, biological sex and age on the probabilistic structure pose the second aim of paper.

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