¿Cuál debe ser el precio justo de un seguro?

• Heras, Antonio ^[1]
  1. [1] Universidad Complutense de Madrid y UNED
• Localización: Contrastes: revista internacional de filosofía, ISSN-e 2659-921X, ISSN 1136-4076, Vol. 27, Nº 2, 2022, págs. 147-165
• Idioma: español
• DOI: 10.24310/Contrastescontrastes.v27i2.13045
• Títulos paralelos:
  • What should be the fair premium of an insurance policy?
• Enlaces
  • Texto completo (pdf)
• Resumen
  • español

    Tradicionalmente, las primas de los contratos de seguros se han considerado justas o equitativas cuando se corresponden exactamente con el riesgo de las pólizas, medido este último mediante la esperanza matemática de la siniestralidad. En este artículo llevamos a cabo una crítica de este enfoque aparentemente objetivo y proponemos una justificación alternativa de la denominada equidad actuarial, basada en argumentos contractualistas. Para ello nos apoyamos en ciertas intuiciones de Jean Domat, un jurista francés del siglo XVII, acerca de la incertidumbre compartida, integradas dentro del marco general proporcionado por la teoría contractualista del economista y filósofo contemporáneo Robert Sugden.

  • English

    Traditionally, the premiums of the insurance contracts have been considered fair when they mirror exactly the risk of the policies, measured as the mathematical expectation of their claims. In this paper we criticize this seemingly objective approach and we propose an alternative justification for the actuarial fairness, based on contractualist arguments. We build on some intuitions of the 17th French jurist Jean Domat about the shared uncertainty among the stakeholders, in the general framework of the contractualist theory of the contemporary philosopher and economist Robert Sugden.

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