Design of non-life insurance rate-making system with a frequency and a severity component based on the a posteriori criteria. The rate-making system is a general form of bonus-malus system introduced by Lemaire (1995), <doi:10.1007/978-94-011-0631-3> and Frangos and Vrontos (2001), <doi:10.2143/AST.31.1.991>.
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