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Arab Journal of Administration المجلة العربية للإدارة

Abstract

This Search is located in three sections: the first section deals with assessing loss rates achieved in the Egyptian insurance companies, and the second deals with the use of experimental of Bayes analysis in estimating the rate of losses for the property and liability insurance in the Egyptian market and the third deals with the results and recommendations. The aim of this study is to assess the rates of losses in property and liability insurance for Egyptian market during the study period and forecasting expected loss rates in the property and liability insurance in the Egyptian market. The rates reflect the loss realized and expected insurance companies how successful policies in these companies on the pricing and underwriting and reinsurance and are an indicator of profitability achieved, as well as used as a control depends upon the supervisory and insurance supervision to evaluate the performance facilities insurance and whether you need to re-examine the results financial or not. This study has followed a scientific method of analysis special style quantitative and statistical technique that commensurate with the nature and one of the most important results of the study: - The realized loss rates and the expected came in the acceptable range in all branches of the fire, marine and land transport accidents in all companies under consideration, which means safety underwriting and pricing policies. - The Realized loss rates and the expected came in the long unacceptable in all branches of medical insurance to all companies under consideration, which means no safety pricing and underwriting policies followed in these companies. - Has been one of the most important recommendations of the study the following: - The need to modify the underwriting and pricing policies used in all branches of the medical insurance, as well as the need for the regulation and supervision of examining the financial results of these branches. - The need to use of Bayes analysis to estimate the expected loss rates in the future in the insurance companies and for a variety of reasons including the minimization of the difference between the original value of the parameter and the estimated value to less than what can be.

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