Measure expected claim counts per unit of risk exposure.
理赔频率 = 理赔件数 ÷ 风险暴露单位。
| Item | Formula / Rule | Source / Standard |
|---|---|---|
| Frequency definition | Claim frequency = claim count in the period ÷ exposure units | Casualty Actuarial Society, Fundamentals of Ratemaking |
| Exposure unit | Motor uses car-years, life uses person-years and engineering uses insured-value years | Casualty Actuarial Society, Fundamentals of Ratemaking |
| Poisson assumption | Counts are often modelled as Poisson with variance equal to the mean; overdispersion calls for negative binomial | China Insurance Regulatory Commission, solvency rules |