The paper deals with the problem of possible ruin when providing insurance coverage for an epidemic. The model studied is an SIS type epidemic which generalizes the well-known logistic model. Contractually, the premiums are paid by susceptible people while the care costs are reimbursed to infected people via an annuity or a lump-sum benefit. Our goal is to determine the distribution of the main statistics of the ruin when it occurs during the epidemic. The case where the reserve alternates between normal and epidemic episodes is also discussed using a Brownian modeling of the reserve. Finally, some of the results are illustrated for two particular SIS epidemic models.

本文讨论了为流行病提供保险时可能发生的破产问题。所研究的模型是SIS型流行病，它推广了众所周知的逻辑模型。根据合同，保费由易感人群支付，而护理费用则通过年金或一次性福利向感染者报销。我们的目标是确定废墟在流行期间发生时的主要统计数据的分布。还使用储备的布朗模型讨论了储备在正常和流行事件之间交替的情况。最后，说明了两个特定 SIS 流行病模型的一些结果。