TY JOUR TI The calculation of insurance rates health insurance KW insurance KW medical insurance KW insurance rates KW actuarial calculations KW theory of Markov processes JO Actual directions of scientific researches of the XXI century: theory and practice AU Arslanova, R.. PY 2015 IS 3 PB FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov