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Empleado 2%

Empresa 5%
Diferencia Estado
Cobertura 100,000 personas
Max 600
Min 350
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00
22,500,000,000.00
* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
4% 1%
Población 100,000.00 99,614.04 99,015.05
Salario 5,796.00 5,196.00 5,052.00
Aporte de empleados 2% 13,968,000.00 11,164,742.00 13,616,549.41
Aporte de la empresa 5% 34,920,000.00 27,911,855.00 34,041,373.53
Diferencia del Estado 206,219,633.71 61,172,732.68 194,993,504.23

Reclamos prom anual 2,727.13 2,269.65 2,690.04


70% de la población 70,000.00 69,729.83 69,310.53
Costo total 255,107,633.71 100,249,329.67 242,651,427.17

1 1,859,387,573.63 1,800,000,000.00 8.26%


2 1,859,387,573.63 1,800,000,000.00 8.26%
3 1,859,387,573.63 1,800,000,000.00 8.26%
4 1,859,387,573.63 1,800,000,000.00 8.26%
5 1,859,387,573.63 1,800,000,000.00 8.26%
6 1,859,387,573.63 1,800,000,000.00 8.26%
7 1,859,387,573.63 1,800,000,000.00 8.26%
8 1,859,387,573.63 1,800,000,000.00 8.26%
9 1,859,387,573.63 1,800,000,000.00 8.26%
10 1,859,387,573.63 1,800,000,000.00 8.26%
11 1,859,387,573.63 1,800,000,000.00 8.26%
12 1,859,387,573.63 1,800,000,000.00 8.26%
13 1,859,387,573.63 1,800,000,000.00 8.26%
14 1,859,387,573.63 1,800,000,000.00 8.26%
15 1,859,387,573.63 1,800,000,000.00 8.26%
16 1,859,387,573.63 1,800,000,000.00 8.26%
17 1,859,387,573.63 1,800,000,000.00 8.26%
18 1,859,387,573.63 1,800,000,000.00 8.26%
19 1,859,387,573.63 1,800,000,000.00 8.26%
20 1,859,387,573.63 1,800,000,000.00 8.26%
21 1,859,387,573.63 1,800,000,000.00 8.26%
22 1,859,387,573.63 1,800,000,000.00 8.26%
23 1,859,387,573.63 1,800,000,000.00 8.26%
24 1,859,387,573.63 1,800,000,000.00 8.26%
25 1,859,387,573.63 1,800,000,000.00 8.26%
26 1,859,387,573.63 1,800,000,000.00 8.26%
27 1,859,387,573.63 1,800,000,000.00 8.26%
28 1,859,387,573.63 1,800,000,000.00 8.26%
29 1,859,387,573.63 1,800,000,000.00 8.26%
30 1,859,387,573.63 1,800,000,000.00 8.26%
31 1,859,387,573.63 1,800,000,000.00 8.26%
32 1,859,387,573.63 1,800,000,000.00 8.26%
33 1,859,387,573.63 1,800,000,000.00 8.26%
34 1,859,387,573.63 1,800,000,000.00 8.26%
35 1,859,387,573.63 1,800,000,000.00 8.26%
36 1,859,387,573.63 1,800,000,000.00 8.26%
37 1,859,387,573.63 1,800,000,000.00 8.26%
38 1,859,387,573.63 1,800,000,000.00 8.26%
39 1,859,387,573.63 1,800,000,000.00 8.26%
40 1,859,387,573.63 1,800,000,000.00 8.26%
41 1,859,387,573.63 1,800,000,000.00 8.26%
42 1,859,387,573.63 1,800,000,000.00 8.26%
43 1,859,387,573.63 1,800,000,000.00 8.26%
44 1,859,387,573.63 1,800,000,000.00 8.26%
45 1,859,387,573.63 1,800,000,000.00 8.26%
46 1,859,387,573.63 1,800,000,000.00 8.26%
47 1,859,387,573.63 1,800,000,000.00 8.26%
48 1,859,387,573.63 1,800,000,000.00 8.26%
49 1,859,387,573.63 1,800,000,000.00 8.26%
50 1,859,387,573.63 1,800,000,000.00 8.26%
2 225 0.01

1800000000

os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
1% 0% 3% 1%
98,973.92 102,732.05 103,818.68 103,754.85
5,964.00 4,752.00 7,128.00 5,376.00
11,900,623.60 11,070,405.62 13,679,149.57 9,113,826.35
29,751,558.99 27,676,014.05 34,197,873.92 22,784,565.87
142,370,116.83 85,457,881.31 198,544,396.04 84,823,563.28

2,811.10 2,975.67 2,729.22 2,115.60


69,281.74 71,912.43 72,673.08 72,628.40
184,022,299.42 124,204,300.98 246,421,419.53 116,721,955.49

8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00% 2300000000
8.00%
8.00% 2200000000
8.00% 2100000000
8.00% 2000000000
8.00%
1900000000
VPN

8.00%
1800000000
1700000000
1600000000
1500000000
2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 4
2200000000
2100000000
2000000000
1900000000

VPN
8.00% 1800000000
8.00% 1700000000
8.00% 1600000000
8.00%
1500000000
8.00%
8.00%
2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 4
8.00% SIMULACIONES
8.00%
8.00% Column B Column C
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00%
8.00% 10.00%
PORCENTAJE

8.00%
8.00% 9.00%
8.00%
8.00% 8.00%
8.00%
7.00%
8.00%
8.00% 6.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 4
8.00%
SIMULACIONES
8.00%
8.00% Column D Column E
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
2% 2% 3% 0% 3%
104,407.57 105,298.93 109,047.98 112,480.36 113,018.20
4,248.00 6,036.00 4,284.00 6,168.00 5,904.00
11,025,439.19 9,123,099.05 11,384,609.28 13,956,562.48 13,860,552.33
27,563,597.99 22,807,747.62 28,461,523.19 34,891,406.19 34,651,380.82
227,725,382.63 76,034,110.39 154,678,153.25 138,264,749.64 162,813,261.58

2,977.28 2,779.27 3,697.30 1,850.21 3,571.44


73,085.30 73,709.25 76,333.59 78,736.25 79,112.74
266,314,419.81 107,964,957.06 194,524,285.72 187,112,718.30 211,325,194.72

8 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
ULACIONES
B Column C

0 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
MULACIONES
nD Column E
13 14 15 16 17
0% 3% 1% 3% 0%
112,945.82 116,289.05 116,223.99 120,792.29 119,885.74
5,664.00 6,276.00 5,844.00 4,428.00 6,828.00
14,231,173.63 14,094,233.32 11,045,928.22 12,755,666.25 11,739,211.89
35,577,934.07 35,235,583.29 27,614,820.56 31,889,165.62 29,348,029.73
176,510,715.07 221,139,098.94 223,733,152.27 108,647,348.01 148,859,537.71

2,562.03 2,415.39 2,512.17 1,837.70 1,444.61


79,062.08 81,402.34 81,356.79 84,554.61 83,920.02
226,319,822.77 270,468,915.55 262,393,901.05 153,292,179.88 189,946,779.33
18 19 20
3% 3% 2%
121,155.65 122,698.09 126,355.94
5,892.00 5,976.00 5,760.00
12,794,036.62 12,780,232.65 13,676,766.73
31,985,091.54 31,950,581.62 34,191,916.83
213,497,291.68 87,123,862.18 69,252,995.15

1,339.74 2,349.71 2,069.39


84,808.95 85,888.66 88,449.16
258,276,419.83 131,854,676.45 117,121,678.71
Empleado 3%
Empresa 7%
Diferencia Estado
Cobertura 100,000 personas
Max 600
Min 350
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
2% 2%
Población 100,000.00 100,871.00 104,631.11
Salario 5,592.00 4,992.00 4,788.00
Aporte de empleados 2% 20,916,000.00 20,335,592.97 14,464,204.37
Aporte de la empresa 5% 48,804,000.00 47,449,716.93 33,749,810.21
Diferencia del Estado 99,076,547.33 42,096,543.09 188,992,344.77

Reclamos prom anual 1,689.40 3,410.74 1,772.30


70% de la población 70,000.00 70,609.70 73,241.78
Costo total 168,796,547.33 109,881,852.99 237,206,359.36

1 1,739,216,940.35 1,800,000,000.00 7.73%


2 1,739,216,940.35 1,800,000,000.00 7.73%
3 1,739,216,940.35 1,800,000,000.00 7.73%
4 1,739,216,940.35 1,800,000,000.00 7.73%
5 1,739,216,940.35 1,800,000,000.00 7.73%
6 1,739,216,940.35 1,800,000,000.00 7.73%
7 1,739,216,940.35 1,800,000,000.00 7.73%
8 1,739,216,940.35 1,800,000,000.00 7.73%
9 1,739,216,940.35 1,800,000,000.00 7.73%
10 1,739,216,940.35 1,800,000,000.00 7.73%
11 1,739,216,940.35 1,800,000,000.00 7.73%
12 1,739,216,940.35 1,800,000,000.00 7.73%
13 1,739,216,940.35 1,800,000,000.00 7.73%
14 1,739,216,940.35 1,800,000,000.00 7.73%
15 1,739,216,940.35 1,800,000,000.00 7.73%
16 1,739,216,940.35 1,800,000,000.00 7.73%
17 1,739,216,940.35 1,800,000,000.00 7.73%
18 1,739,216,940.35 1,800,000,000.00 7.73%
19 1,739,216,940.35 1,800,000,000.00 7.73%
20 1,739,216,940.35 1,800,000,000.00 7.73%
21 1,739,216,940.35 1,800,000,000.00 7.73%
22 1,739,216,940.35 1,800,000,000.00 7.73%
23 1,739,216,940.35 1,800,000,000.00 7.73%
24 1,739,216,940.35 1,800,000,000.00 7.73%
25 1,739,216,940.35 1,800,000,000.00 7.73%
26 1,739,216,940.35 1,800,000,000.00 7.73%
27 1,739,216,940.35 1,800,000,000.00 7.73%
28 1,739,216,940.35 1,800,000,000.00 7.73%
29 1,739,216,940.35 1,800,000,000.00 7.73%
30 1,739,216,940.35 1,800,000,000.00 7.73%
31 1,739,216,940.35 1,800,000,000.00 7.73%
32 1,739,216,940.35 1,800,000,000.00 7.73%
33 1,739,216,940.35 1,800,000,000.00 7.73%
34 1,739,216,940.35 1,800,000,000.00 7.73%
35 1,739,216,940.35 1,800,000,000.00 7.73%
36 1,739,216,940.35 1,800,000,000.00 7.73%
37 1,739,216,940.35 1,800,000,000.00 7.73%
38 1,739,216,940.35 1,800,000,000.00 7.73%
39 1,739,216,940.35 1,800,000,000.00 7.73%
40 1,739,216,940.35 1,800,000,000.00 7.73%
41 1,739,216,940.35 1,800,000,000.00 7.73%
42 1,739,216,940.35 1,800,000,000.00 7.73%
43 1,739,216,940.35 1,800,000,000.00 7.73%
44 1,739,216,940.35 1,800,000,000.00 7.73%
45 1,739,216,940.35 1,800,000,000.00 7.73%
46 1,739,216,940.35 1,800,000,000.00 7.73%
47 1,739,216,940.35 1,800,000,000.00 7.73%
48 1,739,216,940.35 1,800,000,000.00 7.73%
49 1,739,216,940.35 1,800,000,000.00 7.73%
50 1,739,216,940.35 1,800,000,000.00 7.73%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
1% 3% 1% 0%
106,705.92 107,982.93 108,207.15 109,588.16
4,728.00 5,220.00 5,352.00 6,192.00
16,556,489.86 14,733,191.23 16,594,649.19 16,648,633.95
38,631,809.67 34,377,446.21 38,720,848.12 38,846,812.56
118,258,699.20 159,637,973.05 219,516,686.68 81,506,564.76

1,370.00 3,542.28 3,070.61 3,471.07


74,694.14 75,588.05 75,745.01 76,711.72
173,446,998.74 208,748,610.49 274,832,183.99 137,002,011.27

8.00%
8.00%
8.00%
8.00%
8.00% 1,820,000,000.00
8.00%
8.00% 1,800,000,000.00
8.00%
8.00%
1,780,000,000.00
8.00%
8.00%
8.00% 1,760,000,000.00
VPN

8.00% Colu
1,740,000,000.00 Colu

1,720,000,000.00

1,700,000,000.00
1,780,000,000.00

1,760,000,000.00

VPN
Colu
8.00% 1,740,000,000.00 Colu
8.00%
8.00%
8.00% 1,720,000,000.00
8.00%
8.00% 1,700,000,000.00
8.00% 3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
SIMULACION
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00% 9.00%
8.00%
PORCENTAJE

8.00%
8.00%
8.00% 7.00%
8.00% 6.00% Co
8.00% 5.00% Co
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00% SIMULACIONES
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
1% 0% 1% 2% 0%
113,186.39 115,359.15 118,138.84 121,044.99 123,051.78
4,968.00 5,532.00 6,684.00 6,732.00 5,580.00
17,724,988.02 22,342,760.27 17,054,522.87 15,251,669.30 20,643,166.43
41,358,305.38 52,133,107.29 39,793,886.69 35,587,228.37 48,167,388.34
150,924,339.08 204,854,160.37 111,226,973.59 106,257,412.34 168,247,338.10

1,938.12 2,384.60 1,512.33 3,050.24 3,016.07


79,230.47 80,751.41 82,697.19 84,731.50 86,136.25
210,007,632.48 279,330,027.93 168,075,383.15 157,096,310.01 237,057,892.87

Column B
Column C
Column B
Column C

19 23 27 31 35 39 43 47
21 25 29 33 37 41 45 49
ION

Column D
Column E

4 26 28 30 32 34 36 38 40 42 44 46 48 50
25 27 29 31 33 35 37 39 41 43 45 47 49
ONES
13 14 15 16 17
0% 3% 2% 1% 0%
125,923.79 130,892.81 130,262.09 131,609.37 134,874.64
5,460.00 7,080.00 5,700.00 5,988.00 5,100.00
22,348,954.53 20,969,027.45 25,838,787.52 21,510,235.15 21,655,471.77
52,147,560.57 48,927,730.71 60,290,504.22 50,190,548.68 50,529,434.12
156,570,767.95 81,579,777.88 160,765,375.45 231,150,496.00 114,746,321.25

3,420.68 1,924.98 2,090.49 3,262.96 3,695.58


88,146.65 91,624.96 91,183.46 92,126.56 94,412.25
231,067,283.05 151,476,536.04 246,894,667.18 302,851,279.83 186,931,227.13
18 19 20
0% 0% 1%
133,764.99 137,688.02 143,142.37
4,800.00 6,132.00 6,768.00
23,933,231.25 19,182,694.31 18,654,313.67
55,844,206.26 44,759,620.07 43,526,731.90
73,408,386.32 228,807,655.21 165,674,052.02

3,609.28 2,412.19 2,187.72


93,635.49 96,381.61 100,199.66
153,185,823.83 292,749,969.59 227,855,097.59
Empleado 4%
Empresa 8%
Diferencia Estado
Cobertura 100,000 personas
Max 600
Min 350
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
3% 1%
Población 100,000.00 101,927.53 101,879.41
Salario 5,076.00 6,432.00 6,792.00
Aporte de empleados 2% 18,438,000.00 16,010,776.16 21,694,201.91
Aporte de la empresa 5% 42,144,000.00 36,596,059.79 49,586,747.21
Diferencia del Estado 197,449,528.76 118,791,452.53 26,742,886.45

Reclamos prom anual 2,638.71 1,768.33 3,584.00


70% de la población 70,000.00 71,349.27 71,315.59
Costo total 258,031,528.76 171,398,288.49 98,023,835.57

1 1,642,511,316.67 1,800,000,000.00 7.30%


2 1,642,511,316.67 1,800,000,000.00 7.30%
3 1,642,511,316.67 1,800,000,000.00 7.30%
4 1,642,511,316.67 1,800,000,000.00 7.30%
5 1,642,511,316.67 1,800,000,000.00 7.30%
6 1,642,511,316.67 1,800,000,000.00 7.30%
7 1,642,511,316.67 1,800,000,000.00 7.30%
8 1,642,511,316.67 1,800,000,000.00 7.30%
9 1,642,511,316.67 1,800,000,000.00 7.30%
10 1,642,511,316.67 1,800,000,000.00 7.30%
11 1,642,511,316.67 1,800,000,000.00 7.30%
12 1,642,511,316.67 1,800,000,000.00 7.30%
13 1,642,511,316.67 1,800,000,000.00 7.30%
14 1,642,511,316.67 1,800,000,000.00 7.30%
15 1,642,511,316.67 1,800,000,000.00 7.30%
16 1,642,511,316.67 1,800,000,000.00 7.30%
17 1,642,511,316.67 1,800,000,000.00 7.30%
18 1,642,511,316.67 1,800,000,000.00 7.30%
19 1,642,511,316.67 1,800,000,000.00 7.30%
20 1,642,511,316.67 1,800,000,000.00 7.30%
21 1,642,511,316.67 1,800,000,000.00 7.30%
22 1,642,511,316.67 1,800,000,000.00 7.30%
23 1,642,511,316.67 1,800,000,000.00 7.30%
24 1,642,511,316.67 1,800,000,000.00 7.30%
25 1,642,511,316.67 1,800,000,000.00 7.30%
26 1,642,511,316.67 1,800,000,000.00 7.30%
27 1,642,511,316.67 1,800,000,000.00 7.30%
28 1,642,511,316.67 1,800,000,000.00 7.30%
29 1,642,511,316.67 1,800,000,000.00 7.30%
30 1,642,511,316.67 1,800,000,000.00 7.30%
31 1,642,511,316.67 1,800,000,000.00 7.30%
32 1,642,511,316.67 1,800,000,000.00 7.30%
33 1,642,511,316.67 1,800,000,000.00 7.30%
34 1,642,511,316.67 1,800,000,000.00 7.30%
35 1,642,511,316.67 1,800,000,000.00 7.30%
36 1,642,511,316.67 1,800,000,000.00 7.30%
37 1,642,511,316.67 1,800,000,000.00 7.30%
38 1,642,511,316.67 1,800,000,000.00 7.30%
39 1,642,511,316.67 1,800,000,000.00 7.30%
40 1,642,511,316.67 1,800,000,000.00 7.30%
41 1,642,511,316.67 1,800,000,000.00 7.30%
42 1,642,511,316.67 1,800,000,000.00 7.30%
43 1,642,511,316.67 1,800,000,000.00 7.30%
44 1,642,511,316.67 1,800,000,000.00 7.30%
45 1,642,511,316.67 1,800,000,000.00 7.30%
46 1,642,511,316.67 1,800,000,000.00 7.30%
47 1,642,511,316.67 1,800,000,000.00 7.30%
48 1,642,511,316.67 1,800,000,000.00 7.30%
49 1,642,511,316.67 1,800,000,000.00 7.30%
50 1,642,511,316.67 1,800,000,000.00 7.30%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
0% 4% 0% 0%
104,635.96 108,237.10 109,724.52 110,289.08
5,712.00 6,360.00 5,580.00 6,972.00
18,633,572.51 19,138,483.73 20,599,681.95 25,430,455.24
42,591,022.89 43,745,105.67 47,084,987.30 58,126,754.83
106,173,468.21 74,895,709.23 148,387,995.43 19,605,886.45

2,938.30 3,604.07 2,552.48 3,658.78


73,245.17 75,765.97 76,807.17 77,202.35
167,398,063.62 137,779,298.63 216,072,664.68 103,163,096.52

8.00%
8.00%
8.00%
8.00%
8.00% 1,850,000,000.00
8.00%
8.00% 1,800,000,000.00
8.00%
8.00%
1,750,000,000.00
8.00%
8.00%
8.00% 1,700,000,000.00
VPN

8.00% Colu
1,650,000,000.00 Colu

1,600,000,000.00

1,550,000,000.00
1,750,000,000.00

1,700,000,000.00

VPN
Colu
8.00% 1,650,000,000.00 Colu
8.00%
8.00%
8.00% 1,600,000,000.00
8.00%
8.00% 1,550,000,000.00
8.00% 3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
SIMULACION
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00% 9.00%
8.00%
PORCENTAJE

8.00%
8.00%
8.00% 7.00%
8.00% 6.00% Co
8.00% 5.00% Co
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00% SIMULACIONES
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
3% 3% 1% 2% 3%
112,418.84 115,376.62 116,819.55 120,651.02 125,198.30
5,844.00 7,020.00 7,140.00 4,764.00 6,900.00
22,333,126.95 23,356,842.71 21,048,546.57 21,637,553.37 22,347,896.24
51,047,147.31 53,387,069.05 48,110,963.59 49,457,264.84 51,080,905.69
142,655,137.77 174,018,897.97 194,449,662.49 70,352,292.63 196,500,634.03

2,366.81 1,511.43 2,034.88 3,067.40 3,295.17


78,693.19 80,763.63 81,773.69 84,455.71 87,638.81
216,035,412.02 250,762,809.73 263,609,172.65 141,447,110.84 269,929,435.96

Column B
Column C
Column B
Column C

19 23 27 31 35 39 43 47
21 25 29 33 37 41 45 49
ION

Column D
Column E

4 26 28 30 32 34 36 38 40 42 44 46 48 50
25 27 29 31 33 35 37 39 41 43 45 47 49
ONES
13 14 15 16 17
0% 0% -1% 0% 2%
127,597.07 131,931.52 131,699.37 134,029.44 135,032.95
7,008.00 5,280.00 6,480.00 5,520.00 4,440.00
28,939,014.61 30,365,357.86 22,125,494.00 25,556,734.14 20,530,409.32
66,146,319.11 69,406,532.26 50,572,557.71 58,415,392.33 46,926,649.86
220,864,614.97 169,535,874.48 171,425,355.90 46,221,672.85 132,426,870.51

1,831.49 2,179.34 3,131.15 1,735.55 3,431.82


89,317.95 92,352.06 92,189.56 93,820.61 94,523.06
315,949,948.69 269,307,764.60 244,123,407.61 130,193,799.32 199,883,929.69
18 19 20
3% -1% 3%
139,366.47 140,546.93 143,944.77
6,216.00 4,380.00 4,392.00
21,423,413.67 30,459,330.51 27,447,388.02
48,967,802.68 69,621,326.88 62,736,886.90
273,161,286.16 181,734,061.22 65,468,920.29

2,948.02 2,382.31 1,477.48


97,556.53 98,382.85 100,761.34
343,552,502.52 281,814,718.61 155,653,195.21
Empleado 4%
Empresa 10%
Diferencia Estado
Cobertura 100,000 personas
Max 600
Min 350
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
2% 2%
Población 100,000.00 100,875.57 100,455.88
Salario 5,496.00 6,588.00 5,784.00
Aporte de empleados 2% 19,440,000.00 28,519,541.19 27,870,478.25
Aporte de la empresa 5% 48,600,000.00 71,298,852.97 69,676,195.63
Diferencia del Estado 189,264,261.11 41,215,038.20 2,378,153.04

Reclamos prom anual 3,403.74 3,417.10 3,302.16


70% de la población 70,000.00 70,612.90 70,319.11
Costo total 257,304,261.11 141,033,432.35 99,924,826.92

1 1,224,719,589.30 1,800,000,000.00 5.44%


2 1,224,719,589.30 1,800,000,000.00 5.44%
3 1,224,719,589.30 1,800,000,000.00 5.44%
4 1,224,719,589.30 1,800,000,000.00 5.44%
5 1,224,719,589.30 1,800,000,000.00 5.44%
6 1,224,719,589.30 1,800,000,000.00 5.44%
7 1,224,719,589.30 1,800,000,000.00 5.44%
8 1,224,719,589.30 1,800,000,000.00 5.44%
9 1,224,719,589.30 1,800,000,000.00 5.44%
10 1,224,719,589.30 1,800,000,000.00 5.44%
11 1,224,719,589.30 1,800,000,000.00 5.44%
12 1,224,719,589.30 1,800,000,000.00 5.44%
13 1,224,719,589.30 1,800,000,000.00 5.44%
14 1,224,719,589.30 1,800,000,000.00 5.44%
15 1,224,719,589.30 1,800,000,000.00 5.44%
16 1,224,719,589.30 1,800,000,000.00 5.44%
17 1,224,719,589.30 1,800,000,000.00 5.44%
18 1,224,719,589.30 1,800,000,000.00 5.44%
19 1,224,719,589.30 1,800,000,000.00 5.44%
20 1,224,719,589.30 1,800,000,000.00 5.44%
21 1,224,719,589.30 1,800,000,000.00 5.44%
22 1,224,719,589.30 1,800,000,000.00 5.44%
23 1,224,719,589.30 1,800,000,000.00 5.44%
24 1,224,719,589.30 1,800,000,000.00 5.44%
25 1,224,719,589.30 1,800,000,000.00 5.44%
26 1,224,719,589.30 1,800,000,000.00 5.44%
27 1,224,719,589.30 1,800,000,000.00 5.44%
28 1,224,719,589.30 1,800,000,000.00 5.44%
29 1,224,719,589.30 1,800,000,000.00 5.44%
30 1,224,719,589.30 1,800,000,000.00 5.44%
31 1,224,719,589.30 1,800,000,000.00 5.44%
32 1,224,719,589.30 1,800,000,000.00 5.44%
33 1,224,719,589.30 1,800,000,000.00 5.44%
34 1,224,719,589.30 1,800,000,000.00 5.44%
35 1,224,719,589.30 1,800,000,000.00 5.44%
36 1,224,719,589.30 1,800,000,000.00 5.44%
37 1,224,719,589.30 1,800,000,000.00 5.44%
38 1,224,719,589.30 1,800,000,000.00 5.44%
39 1,224,719,589.30 1,800,000,000.00 5.44%
40 1,224,719,589.30 1,800,000,000.00 5.44%
41 1,224,719,589.30 1,800,000,000.00 5.44%
42 1,224,719,589.30 1,800,000,000.00 5.44%
43 1,224,719,589.30 1,800,000,000.00 5.44%
44 1,224,719,589.30 1,800,000,000.00 5.44%
45 1,224,719,589.30 1,800,000,000.00 5.44%
46 1,224,719,589.30 1,800,000,000.00 5.44%
47 1,224,719,589.30 1,800,000,000.00 5.44%
48 1,224,719,589.30 1,800,000,000.00 5.44%
49 1,224,719,589.30 1,800,000,000.00 5.44%
50 1,224,719,589.30 1,800,000,000.00 5.44%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
2% 3% -1% 4%
99,697.56 102,301.65 102,731.78 103,351.39
6,420.00 4,572.00 5,664.00 6,228.00
22,683,187.77 21,802,527.44 23,915,957.60 18,504,032.51
56,707,969.42 54,506,318.61 59,789,894.00 46,260,081.27
152,255,082.75 24,159,513.85 89,254,309.42 117,585,698.26

2,461.15 1,895.95 1,582.82 2,654.00


69,788.29 71,611.15 71,912.24 72,345.97
231,646,239.93 100,468,359.90 172,960,161.02 182,349,812.04

8.00%
8.00%
8.00%
8.00%
8.00% 2,000,000,000.00
8.00% 1,800,000,000.00
8.00%
1,600,000,000.00
8.00%
8.00% 1,400,000,000.00
8.00% 1,200,000,000.00
8.00%
8.00% 1,000,000,000.00
VPN

8.00% 800,000,000.00 Colu


Colu
600,000,000.00
400,000,000.00
200,000,000.00
-
1,400,000,000.00
1,200,000,000.00
1,000,000,000.00

VPN
800,000,000.00 Colu
8.00% Colu
8.00% 600,000,000.00
8.00% 400,000,000.00
8.00%
8.00%
200,000,000.00
8.00% -
8.00% 3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
SIMULACION
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00% 9.00%
8.00%
PORCENTAJE

8.00%
8.00%
8.00% 7.00%
8.00% 6.00% Co
8.00% 5.00% Co
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00% SIMULACIONES
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
1% 1% 1% 2% 1%
105,728.82 107,767.92 107,970.45 108,723.94 109,254.11
4,416.00 6,228.00 4,332.00 4,596.00 5,292.00
23,395,673.30 21,777,742.14 26,586,644.14 22,649,372.18 22,654,932.30
58,489,183.24 54,444,355.35 66,466,610.34 56,623,430.45 56,637,330.74
115,882,344.00 64,777,260.32 123,928,142.39 179,214,322.37 65,759,423.81

2,485.55 3,064.33 3,674.34 3,522.49 2,570.00


74,010.17 75,437.55 75,579.32 76,106.76 76,477.88
197,767,200.54 140,999,357.81 216,981,396.87 258,487,125.00 145,051,686.84

Column B
Column C
Column B
Column C

19 23 27 31 35 39 43 47
21 25 29 33 37 41 45 49
ION

Column D
Column E

4 26 28 30 32 34 36 38 40 42 44 46 48 50
25 27 29 31 33 35 37 39 41 43 45 47 49
ONES
13 14 15 16 17
2% 3% 1% 1% 1%
109,304.73 112,060.33 111,379.77 113,705.82 116,609.12
4,572.00 5,268.00 5,172.00 6,792.00 5,640.00
26,443,001.10 27,808,890.92 25,501,512.52 26,634,451.51 19,758,248.56
66,107,502.76 69,522,227.31 63,753,781.29 66,586,128.78 49,395,621.39
74,014,722.71 82,662,594.46 37,701,095.84 90,655,685.06 182,229,273.85

3,246.94 2,598.83 3,612.91 1,442.89 2,881.65


76,513.31 78,442.23 77,965.84 79,594.07 81,626.38
166,565,226.57 179,993,712.69 126,956,389.65 183,876,265.36 251,383,143.80
18 19 20
2% 2% 0%
116,337.42 117,721.72 117,085.80
4,632.00 6,768.00 6,456.00
26,804,141.27 21,076,896.00 24,335,112.45
67,010,353.18 52,692,240.00 60,837,781.12
90,544,239.74 228,623,260.09 65,616,012.98

1,733.32 2,537.76 3,058.68


81,436.19 82,405.20 81,960.06
184,358,734.19 302,392,396.10 150,788,906.55
Empleado 3%
Empresa 5%
Diferencia Estado
Cobertura 100,000 personas
Max 600.00
Min 350.00
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
4% 3%
Población 100,000.00 103,292.76 102,813.26
Salario 5,880.00 4,380.00 4,860.00
Aporte de empleados 2% 21,456,000.00 18,258,028.69 20,949,229.44
Aporte de la empresa 5% 35,760,000.00 30,430,047.82 34,915,382.40
Diferencia del Estado 105,933,622.62 176,648,984.45 102,434,115.53

Reclamos prom anual 1,426.56 3,205.79 1,802.28


70% de la población 70,000.00 72,304.93 71,969.28
Costo total 163,149,622.62 225,337,060.96 158,298,727.37

1 1,529,348,582.28 1,800,000,000.00 6.80%


2 1,529,348,582.28 1,800,000,000.00 6.80%
3 1,529,348,582.28 1,800,000,000.00 6.80%
4 1,529,348,582.28 1,800,000,000.00 6.80%
5 1,529,348,582.28 1,800,000,000.00 6.80%
6 1,529,348,582.28 1,800,000,000.00 6.80%
7 1,529,348,582.28 1,800,000,000.00 6.80%
8 1,529,348,582.28 1,800,000,000.00 6.80%
9 1,529,348,582.28 1,800,000,000.00 6.80%
10 1,529,348,582.28 1,800,000,000.00 6.80%
11 1,529,348,582.28 1,800,000,000.00 6.80%
12 1,529,348,582.28 1,800,000,000.00 6.80%
13 1,529,348,582.28 1,800,000,000.00 6.80%
14 1,529,348,582.28 1,800,000,000.00 6.80%
15 1,529,348,582.28 1,800,000,000.00 6.80%
16 1,529,348,582.28 1,800,000,000.00 6.80%
17 1,529,348,582.28 1,800,000,000.00 6.80%
18 1,529,348,582.28 1,800,000,000.00 6.80%
19 1,529,348,582.28 1,800,000,000.00 6.80%
20 1,529,348,582.28 1,800,000,000.00 6.80%
21 1,529,348,582.28 1,800,000,000.00 6.80%
22 1,529,348,582.28 1,800,000,000.00 6.80%
23 1,529,348,582.28 1,800,000,000.00 6.80%
24 1,529,348,582.28 1,800,000,000.00 6.80%
25 1,529,348,582.28 1,800,000,000.00 6.80%
26 1,529,348,582.28 1,800,000,000.00 6.80%
27 1,529,348,582.28 1,800,000,000.00 6.80%
28 1,529,348,582.28 1,800,000,000.00 6.80%
29 1,529,348,582.28 1,800,000,000.00 6.80%
30 1,529,348,582.28 1,800,000,000.00 6.80%
31 1,529,348,582.28 1,800,000,000.00 6.80%
32 1,529,348,582.28 1,800,000,000.00 6.80%
33 1,529,348,582.28 1,800,000,000.00 6.80%
34 1,529,348,582.28 1,800,000,000.00 6.80%
35 1,529,348,582.28 1,800,000,000.00 6.80%
36 1,529,348,582.28 1,800,000,000.00 6.80%
37 1,529,348,582.28 1,800,000,000.00 6.80%
38 1,529,348,582.28 1,800,000,000.00 6.80%
39 1,529,348,582.28 1,800,000,000.00 6.80%
40 1,529,348,582.28 1,800,000,000.00 6.80%
41 1,529,348,582.28 1,800,000,000.00 6.80%
42 1,529,348,582.28 1,800,000,000.00 6.80%
43 1,529,348,582.28 1,800,000,000.00 6.80%
44 1,529,348,582.28 1,800,000,000.00 6.80%
45 1,529,348,582.28 1,800,000,000.00 6.80%
46 1,529,348,582.28 1,800,000,000.00 6.80%
47 1,529,348,582.28 1,800,000,000.00 6.80%
48 1,529,348,582.28 1,800,000,000.00 6.80%
49 1,529,348,582.28 1,800,000,000.00 6.80%
50 1,529,348,582.28 1,800,000,000.00 6.80%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
4% 1% 3% 3%
104,214.34 107,793.94 106,844.18 108,151.37
6,408.00 4,440.00 4,788.00 6,780.00
13,806,316.31 21,110,364.52 21,693,643.04 18,221,342.60
23,010,527.19 35,183,940.87 36,156,071.73 30,368,904.33
65,575,885.46 141,923,473.81 58,319,376.35 71,382,320.67

2,340.17 2,547.28 3,037.40 3,491.92


72,950.04 75,455.76 74,790.93 75,705.96
102,392,728.96 198,217,779.20 116,169,091.12 119,972,567.60

8.00%
8.00%
8.00%
8.00%
8.00% 1,850,000,000.00
8.00% 1,800,000,000.00
8.00%
1,750,000,000.00
8.00%
8.00% 1,700,000,000.00
8.00% 1,650,000,000.00
8.00%
8.00% 1,600,000,000.00
VPN

8.00% 1,550,000,000.00 Colu


Colu
1,500,000,000.00
1,450,000,000.00
1,400,000,000.00
1,350,000,000.00
1,700,000,000.00
1,650,000,000.00
1,600,000,000.00

VPN
1,550,000,000.00 Colu
8.00% Colu
8.00% 1,500,000,000.00
8.00% 1,450,000,000.00
8.00%
8.00%
1,400,000,000.00
8.00% 1,350,000,000.00
8.00% 3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
SIMULACION
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00% 9.00%
8.00%
PORCENTAJE

8.00%
8.00%
8.00% 7.00%
8.00% 6.00% Co
8.00% 5.00% Co
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00% SIMULACIONES
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
1% 0% 3% 1% 4%
108,076.87 110,172.61 112,239.17 115,606.68 116,557.80
5,412.00 6,960.00 4,404.00 4,980.00 4,500.00
15,407,438.68 17,213,369.16 21,940,513.26 23,556,017.38 17,791,382.68
25,679,064.47 28,688,948.60 36,567,522.10 39,260,028.97 29,652,304.46
173,521,335.41 190,153,945.94 55,737,127.16 51,955,716.01 236,391,588.44

2,699.44 1,750.96 3,597.38 1,640.44 1,892.43


75,653.81 77,120.83 78,567.42 80,924.68 81,590.46
214,607,838.56 236,056,263.70 114,245,162.51 114,771,762.36 283,835,275.57

Column B
Column C
Column B
Column C

19 23 27 31 35 39 43 47
21 25 29 33 37 41 45 49
ION

Column D
Column E

4 26 28 30 32 34 36 38 40 42 44 46 48 50
25 27 29 31 33 35 37 39 41 43 45 47 49
ONES
13 14 15 16 17
0% 0% -1% 1% 0%
116,712.55 117,283.45 116,540.52 120,778.68 121,980.58
5,292.00 4,536.00 7,068.00 4,500.00 4,776.00
15,251,996.16 19,295,473.18 19,634,746.86 15,478,995.91 16,774,769.91
25,419,993.61 32,159,121.96 32,724,578.10 25,798,326.52 27,957,949.86
68,473,920.75 151,334,600.02 127,014,851.46 149,445,941.40 239,017,638.50

1,663.97 3,599.16 2,799.34 2,911.25 2,936.55


81,698.79 82,098.41 81,578.36 84,545.08 85,386.41
109,145,910.52 202,789,195.16 179,374,176.42 190,723,263.83 283,750,358.28
18 19 20
2% -1% 0%
124,306.69 128,764.05 131,924.57
7,044.00 5,448.00 4,296.00
18,437,168.89 26,515,094.19 23,983,886.82
30,728,614.81 44,191,823.65 39,973,144.70
70,050,314.21 179,944,326.56 98,685,354.08

2,242.59 3,390.66 2,380.14


87,014.69 90,134.84 92,347.20
119,216,097.91 250,651,244.40 162,642,385.60
Empleado 4%
Empresa 7%
Diferencia Estado
Cobertura 100,000 personas
Max 630.00
Min 367.50
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
3% 1%
Población 100,000.00 102,672.63 104,943.49
Salario 7,020.00 4,440.00 5,436.00
Aporte de empleados 2% 25,008,000.00 29,471,150.59 22,113,692.08
Aporte de la empresa 5% 43,764,000.00 51,574,513.53 38,698,961.13
Diferencia del Estado 115,738,095.70 159,309,495.44 194,032,997.31

Reclamos prom anual 2,551.78 1,942.60 2,188.18


70% de la población 70,000.00 71,870.84 73,460.44
Costo total 184,510,095.70 240,355,159.56 254,845,650.51

1 1,694,742,022.56 1,800,000,000.00 7.53%


2 1,694,742,022.56 1,800,000,000.00 7.53%
3 1,694,742,022.56 1,800,000,000.00 7.53%
4 1,694,742,022.56 1,800,000,000.00 7.53%
5 1,694,742,022.56 1,800,000,000.00 7.53%
6 1,694,742,022.56 1,800,000,000.00 7.53%
7 1,694,742,022.56 1,800,000,000.00 7.53%
8 1,694,742,022.56 1,800,000,000.00 7.53%
9 1,694,742,022.56 1,800,000,000.00 7.53%
10 1,694,742,022.56 1,800,000,000.00 7.53%
11 1,694,742,022.56 1,800,000,000.00 7.53%
12 1,694,742,022.56 1,800,000,000.00 7.53%
13 1,694,742,022.56 1,800,000,000.00 7.53%
14 1,694,742,022.56 1,800,000,000.00 7.53%
15 1,694,742,022.56 1,800,000,000.00 7.53%
16 1,694,742,022.56 1,800,000,000.00 7.53%
17 1,694,742,022.56 1,800,000,000.00 7.53%
18 1,694,742,022.56 1,800,000,000.00 7.53%
19 1,694,742,022.56 1,800,000,000.00 7.53%
20 1,694,742,022.56 1,800,000,000.00 7.53%
21 1,694,742,022.56 1,800,000,000.00 7.53%
22 1,694,742,022.56 1,800,000,000.00 7.53%
23 1,694,742,022.56 1,800,000,000.00 7.53%
24 1,694,742,022.56 1,800,000,000.00 7.53%
25 1,694,742,022.56 1,800,000,000.00 7.53%
26 1,694,742,022.56 1,800,000,000.00 7.53%
27 1,694,742,022.56 1,800,000,000.00 7.53%
28 1,694,742,022.56 1,800,000,000.00 7.53%
29 1,694,742,022.56 1,800,000,000.00 7.53%
30 1,694,742,022.56 1,800,000,000.00 7.53%
31 1,694,742,022.56 1,800,000,000.00 7.53%
32 1,694,742,022.56 1,800,000,000.00 7.53%
33 1,694,742,022.56 1,800,000,000.00 7.53%
34 1,694,742,022.56 1,800,000,000.00 7.53%
35 1,694,742,022.56 1,800,000,000.00 7.53%
36 1,694,742,022.56 1,800,000,000.00 7.53%
37 1,694,742,022.56 1,800,000,000.00 7.53%
38 1,694,742,022.56 1,800,000,000.00 7.53%
39 1,694,742,022.56 1,800,000,000.00 7.53%
40 1,694,742,022.56 1,800,000,000.00 7.53%
41 1,694,742,022.56 1,800,000,000.00 7.53%
42 1,694,742,022.56 1,800,000,000.00 7.53%
43 1,694,742,022.56 1,800,000,000.00 7.53%
44 1,694,742,022.56 1,800,000,000.00 7.53%
45 1,694,742,022.56 1,800,000,000.00 7.53%
46 1,694,742,022.56 1,800,000,000.00 7.53%
47 1,694,742,022.56 1,800,000,000.00 7.53%
48 1,694,742,022.56 1,800,000,000.00 7.53%
49 1,694,742,022.56 1,800,000,000.00 7.53%
50 1,694,742,022.56 1,800,000,000.00 7.53%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
2% 2% 2% 3%
107,343.19 107,047.26 108,756.59 112,659.01
5,868.00 6,996.00 4,296.00 6,960.00
25,556,266.19 29,288,129.44 30,747,663.73 30,823,505.57
44,723,465.83 51,254,226.52 53,808,411.53 53,941,134.75
87,032,065.38 160,861,916.76 164,887,225.94 197,935,347.80

1,412.59 3,666.58 1,344.16 1,871.77


75,140.23 74,933.08 76,129.61 78,861.31
157,311,797.40 241,404,272.71 249,443,301.21 282,699,988.12

8.00%
8.00%
8.00%
8.00%
8.00% 1,820,000,000.00
8.00% 1,800,000,000.00
8.00%
8.00% 1,780,000,000.00
8.00%
8.00% 1,760,000,000.00
8.00%
8.00% 1,740,000,000.00
8.00% 1,720,000,000.00 Colu
Colu
1,700,000,000.00
1,680,000,000.00
1,660,000,000.00
1,780,000,000.00
1,760,000,000.00
1,740,000,000.00
1,720,000,000.00 Colu
8.00% Colu
8.00% 1,700,000,000.00
8.00%
8.00% 1,680,000,000.00
8.00%
8.00% 1,660,000,000.00
8.00% 1,640,000,000.00
8.00%
3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00%
9.00%
8.00%
8.00% 8.00%
8.00% 7.00%
8.00% Co
8.00% 6.00% Co
8.00% 5.00%
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
0% 4% 3% 3% 2%
115,816.93 119,232.43 120,465.47 122,868.75 125,272.23
5,400.00 6,636.00 6,012.00 6,648.00 4,812.00
23,348,692.43 32,393,065.51 31,513,766.24 27,601,235.08 21,466,648.70
40,860,211.75 56,687,864.64 55,149,090.92 48,302,161.40 37,566,635.23
79,912,967.65 36,726,208.70 166,133,196.63 116,965,931.40 81,737,714.32

2,443.32 2,826.30 2,539.90 2,295.65 3,017.94


81,071.85 83,462.70 84,325.83 86,008.12 87,690.56
144,121,871.84 125,807,138.84 252,796,053.79 192,869,327.88 140,770,998.25

Column B
Column C
Column B
Column C

23 27 31 35 39 43 47
1 25 29 33 37 41 45 49

Column D
Column E

6 28 30 32 34 36 38 40 42 44 46 48 50
27 29 31 33 35 37 39 41 43 45 47 49
13 14 15 16 17
4% 4% 4% 0% 2%
129,957.41 132,110.32 133,513.87 134,628.36 134,956.47
5,700.00 6,744.00 5,568.00 4,356.00 6,540.00
35,556,346.43 34,623,472.29 24,224,756.49 37,351,292.96 34,592,042.40
62,223,606.26 60,591,076.51 42,393,323.85 65,364,762.67 60,536,074.20
188,499,217.49 119,753,548.45 183,127,013.88 40,404,900.59 29,669,061.25

2,474.13 3,636.07 3,286.07 2,440.71 3,680.23


90,970.18 92,477.22 93,459.71 94,239.85 94,469.53
286,279,170.18 214,968,097.25 249,745,094.23 143,120,956.22 124,797,177.85
18 19 20
-1% 2% 1%
137,180.30 138,495.68 138,295.82
7,104.00 6,984.00 5,988.00
34,371,896.56 38,025,373.58 39,430,905.40
60,150,818.98 66,544,403.77 69,004,084.46
207,624,374.38 151,569,026.62 241,855,816.52

2,313.06 2,803.42 3,229.02


96,026.21 96,946.98 96,807.08
302,147,089.91 256,138,803.98 350,290,806.38
Empleado 5%
Empresa 9%
Diferencia Estado
Cobertura 100,000 personas
Max 661.50
Min 385.88
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
1% 0%
Población 100,000.00 99,374.54 99,385.10
Salario 4,896.00 4,632.00 5,508.00
Aporte de empleados 2% 31,260,000.00 29,275,740.66 23,196,481.21
Aporte de la empresa 5% 56,268,000.00 52,696,333.18 41,753,666.18
Diferencia del Estado 111,228,087.23 120,027,436.12 116,809,541.04

Reclamos prom anual 2,999.39 3,176.09 3,590.10


70% de la población 70,000.00 69,562.18 69,569.57
Costo total 198,756,087.23 201,999,509.95 181,759,688.43

1 1,366,784,661.78 1,800,000,000.00 6.07%


2 1,366,784,661.78 1,800,000,000.00 6.07%
3 1,366,784,661.78 1,800,000,000.00 6.07%
4 1,366,784,661.78 1,800,000,000.00 6.07%
5 1,366,784,661.78 1,800,000,000.00 6.07%
6 1,366,784,661.78 1,800,000,000.00 6.07%
7 1,366,784,661.78 1,800,000,000.00 6.07%
8 1,366,784,661.78 1,800,000,000.00 6.07%
9 1,366,784,661.78 1,800,000,000.00 6.07%
10 1,366,784,661.78 1,800,000,000.00 6.07%
11 1,366,784,661.78 1,800,000,000.00 6.07%
12 1,366,784,661.78 1,800,000,000.00 6.07%
13 1,366,784,661.78 1,800,000,000.00 6.07%
14 1,366,784,661.78 1,800,000,000.00 6.07%
15 1,366,784,661.78 1,800,000,000.00 6.07%
16 1,366,784,661.78 1,800,000,000.00 6.07%
17 1,366,784,661.78 1,800,000,000.00 6.07%
18 1,366,784,661.78 1,800,000,000.00 6.07%
19 1,366,784,661.78 1,800,000,000.00 6.07%
20 1,366,784,661.78 1,800,000,000.00 6.07%
21 1,366,784,661.78 1,800,000,000.00 6.07%
22 1,366,784,661.78 1,800,000,000.00 6.07%
23 1,366,784,661.78 1,800,000,000.00 6.07%
24 1,366,784,661.78 1,800,000,000.00 6.07%
25 1,366,784,661.78 1,800,000,000.00 6.07%
26 1,366,784,661.78 1,800,000,000.00 6.07%
27 1,366,784,661.78 1,800,000,000.00 6.07%
28 1,366,784,661.78 1,800,000,000.00 6.07%
29 1,366,784,661.78 1,800,000,000.00 6.07%
30 1,366,784,661.78 1,800,000,000.00 6.07%
31 1,366,784,661.78 1,800,000,000.00 6.07%
32 1,366,784,661.78 1,800,000,000.00 6.07%
33 1,366,784,661.78 1,800,000,000.00 6.07%
34 1,366,784,661.78 1,800,000,000.00 6.07%
35 1,366,784,661.78 1,800,000,000.00 6.07%
36 1,366,784,661.78 1,800,000,000.00 6.07%
37 1,366,784,661.78 1,800,000,000.00 6.07%
38 1,366,784,661.78 1,800,000,000.00 6.07%
39 1,366,784,661.78 1,800,000,000.00 6.07%
40 1,366,784,661.78 1,800,000,000.00 6.07%
41 1,366,784,661.78 1,800,000,000.00 6.07%
42 1,366,784,661.78 1,800,000,000.00 6.07%
43 1,366,784,661.78 1,800,000,000.00 6.07%
44 1,366,784,661.78 1,800,000,000.00 6.07%
45 1,366,784,661.78 1,800,000,000.00 6.07%
46 1,366,784,661.78 1,800,000,000.00 6.07%
47 1,366,784,661.78 1,800,000,000.00 6.07%
48 1,366,784,661.78 1,800,000,000.00 6.07%
49 1,366,784,661.78 1,800,000,000.00 6.07%
50 1,366,784,661.78 1,800,000,000.00 6.07%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
0% 1% 3% -1%
103,219.81 104,244.71 108,259.92 107,510.03
5,640.00 4,752.00 6,180.00 7,140.00
23,286,389.60 31,836,333.82 23,514,055.46 29,285,732.50
41,915,501.28 57,305,400.88 42,325,299.83 52,714,318.50
85,848,397.38 83,219,601.14 97,480,941.66 32,750,873.62

1,372.06 1,580.98 1,378.93 3,245.53


72,253.87 72,971.30 75,781.95 75,257.02
151,050,288.26 172,361,335.84 163,320,296.96 114,750,924.62

8.00%
8.00%
8.00%
8.00%
8.00% 2,000,000,000.00
8.00% 1,800,000,000.00
8.00%
8.00% 1,600,000,000.00
8.00% 1,400,000,000.00
8.00%
8.00% 1,200,000,000.00
8.00%
1,000,000,000.00
8.00% Colu
800,000,000.00 Colu
600,000,000.00
400,000,000.00
200,000,000.00
1,600,000,000.00
1,400,000,000.00
1,200,000,000.00
1,000,000,000.00
Colu
8.00% 800,000,000.00 Colu
8.00%
8.00% 600,000,000.00
8.00% 400,000,000.00
8.00%
8.00% 200,000,000.00
8.00% -
8.00%
3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00%
9.00%
8.00%
8.00% 8.00%
8.00% 7.00%
8.00% Co
8.00% 6.00% Co
8.00% 5.00%
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
2% -1% 2% -1% 4%
106,812.44 110,228.33 111,323.96 112,241.32 116,337.16
6,312.00 6,288.00 7,104.00 6,096.00 4,548.00
33,069,130.80 26,322,524.35 33,130,009.23 36,298,843.61 31,341,230.16
59,524,435.43 47,380,543.82 59,634,016.61 65,337,918.49 56,414,214.29
145,112,118.29 150,935,862.40 129,391,433.94 62,426,918.71 96,935,794.30

2,722.18 3,609.70 2,140.47 3,278.25 1,559.49


74,768.71 77,159.83 77,926.77 78,568.93 81,436.01
237,705,684.52 224,638,930.57 222,155,459.77 164,063,680.81 184,691,238.75

Column B
Column C
Column B
Column C

23 27 31 35 39 43 47
1 25 29 33 37 41 45 49

Column D
Column E

6 28 30 32 34 36 38 40 42 44 46 48 50
27 29 31 33 35 37 39 41 43 45 47 49
13 14 15 16 17
3% 2% 3% 3% 2%
115,674.44 115,618.42 119,236.60 123,254.48 123,802.55
5,364.00 6,072.00 6,348.00 6,804.00 6,624.00
25,402,107.86 34,893,639.39 41,923,588.74 32,982,898.69 39,740,617.54
45,723,794.16 62,808,550.90 75,462,459.73 59,369,217.65 71,533,111.58
151,792,528.09 119,609,086.23 186,569,369.32 215,704,862.63 2,948,662.42

2,197.27 3,334.30 3,313.32 2,478.26 3,413.23


80,972.11 80,932.89 83,465.62 86,278.14 86,661.78
222,918,430.11 217,311,276.52 303,955,417.79 308,056,978.97 114,222,391.54
18 19 20
2% -1% 1%
128,461.70 128,114.71 131,516.52
6,864.00 5,064.00 6,360.00
43,086,052.77 38,741,888.80 33,299,982.44
77,554,894.99 69,735,399.84 59,939,968.39
13,036,211.55 205,549,261.79 96,289,488.88

1,729.20 3,423.44 1,791.73


89,923.19 89,680.30 92,061.56
133,677,159.32 314,026,550.43 189,529,439.71
Empleado 4%
Empresa 8%
Diferencia Estado
Cobertura 100,000 personas
Max 694.58
Min 405.17
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
4% 3%
Población 100,000.00 100,318.42 102,660.80
Salario 6,756.00 6,072.00 7,176.00
Aporte de empleados 2% 28,032,000.00 25,039,477.74 24,786,423.16
Aporte de la empresa 5% 56,064,000.00 50,078,955.48 49,572,846.32
Diferencia del Estado 88,765,928.81 165,307,175.92 183,046,154.92

Reclamos prom anual 2,364.39 2,707.95 2,116.89


70% de la población 70,000.00 70,222.89 71,862.56
Costo total 172,861,928.81 240,425,609.14 257,405,424.40

1 1,609,352,918.40 1,800,000,000.00 7.15%


2 1,609,352,918.40 1,800,000,000.00 7.15%
3 1,609,352,918.40 1,800,000,000.00 7.15%
4 1,609,352,918.40 1,800,000,000.00 7.15%
5 1,609,352,918.40 1,800,000,000.00 7.15%
6 1,609,352,918.40 1,800,000,000.00 7.15%
7 1,609,352,918.40 1,800,000,000.00 7.15%
8 1,609,352,918.40 1,800,000,000.00 7.15%
9 1,609,352,918.40 1,800,000,000.00 7.15%
10 1,609,352,918.40 1,800,000,000.00 7.15%
11 1,609,352,918.40 1,800,000,000.00 7.15%
12 1,609,352,918.40 1,800,000,000.00 7.15%
13 1,609,352,918.40 1,800,000,000.00 7.15%
14 1,609,352,918.40 1,800,000,000.00 7.15%
15 1,609,352,918.40 1,800,000,000.00 7.15%
16 1,609,352,918.40 1,800,000,000.00 7.15%
17 1,609,352,918.40 1,800,000,000.00 7.15%
18 1,609,352,918.40 1,800,000,000.00 7.15%
19 1,609,352,918.40 1,800,000,000.00 7.15%
20 1,609,352,918.40 1,800,000,000.00 7.15%
21 1,609,352,918.40 1,800,000,000.00 7.15%
22 1,609,352,918.40 1,800,000,000.00 7.15%
23 1,609,352,918.40 1,800,000,000.00 7.15%
24 1,609,352,918.40 1,800,000,000.00 7.15%
25 1,609,352,918.40 1,800,000,000.00 7.15%
26 1,609,352,918.40 1,800,000,000.00 7.15%
27 1,609,352,918.40 1,800,000,000.00 7.15%
28 1,609,352,918.40 1,800,000,000.00 7.15%
29 1,609,352,918.40 1,800,000,000.00 7.15%
30 1,609,352,918.40 1,800,000,000.00 7.15%
31 1,609,352,918.40 1,800,000,000.00 7.15%
32 1,609,352,918.40 1,800,000,000.00 7.15%
33 1,609,352,918.40 1,800,000,000.00 7.15%
34 1,609,352,918.40 1,800,000,000.00 7.15%
35 1,609,352,918.40 1,800,000,000.00 7.15%
36 1,609,352,918.40 1,800,000,000.00 7.15%
37 1,609,352,918.40 1,800,000,000.00 7.15%
38 1,609,352,918.40 1,800,000,000.00 7.15%
39 1,609,352,918.40 1,800,000,000.00 7.15%
40 1,609,352,918.40 1,800,000,000.00 7.15%
41 1,609,352,918.40 1,800,000,000.00 7.15%
42 1,609,352,918.40 1,800,000,000.00 7.15%
43 1,609,352,918.40 1,800,000,000.00 7.15%
44 1,609,352,918.40 1,800,000,000.00 7.15%
45 1,609,352,918.40 1,800,000,000.00 7.15%
46 1,609,352,918.40 1,800,000,000.00 7.15%
47 1,609,352,918.40 1,800,000,000.00 7.15%
48 1,609,352,918.40 1,800,000,000.00 7.15%
49 1,609,352,918.40 1,800,000,000.00 7.15%
50 1,609,352,918.40 1,800,000,000.00 7.15%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
0% 2% 0% 3%
103,032.52 106,378.67 109,704.25 112,837.85
5,952.00 6,816.00 5,568.00 7,116.00
25,914,738.39 29,207,327.05 27,803,445.27 26,918,596.93
51,829,476.78 58,414,654.10 55,606,890.54 53,837,193.86
113,576,430.24 99,587,158.81 180,560,990.95 141,667,295.94

2,489.91 1,708.13 3,316.80 2,031.17


72,122.76 74,465.07 76,792.98 78,986.49
191,320,645.41 187,209,139.96 263,971,326.75 222,423,086.73

8.00%
8.00%
8.00%
8.00%
8.00% 1,850,000,000.00
8.00%
8.00% 1,800,000,000.00
8.00%
8.00% 1,750,000,000.00
8.00%
8.00% 1,700,000,000.00
8.00%
8.00% 1,650,000,000.00

1,600,000,000.00

1,550,000,000.00

1,500,000,000.00
2 4 6 8 10121416182022242628303234363840424446
1,750,000,000.00

1,700,000,000.00

1,650,000,000.00
8.00%
8.00% 1,600,000,000.00
8.00%
8.00% 1,550,000,000.00
8.00%
8.00% 1,500,000,000.00
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 4
8.00% Column B Column C
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00% 9.00%
8.00% 8.00%
8.00%
7.00%
8.00%
8.00% 6.00%
8.00% 5.00%
8.00% 4.00%
8.00%
3.00%
8.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47
8.00%
8.00% Column D Column E
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
2% 2% 0% -1% 2%
116,103.33 119,914.59 123,355.37 122,676.95 126,179.09
6,576.00 4,596.00 5,568.00 4,440.00 5,136.00
31,710,140.32 32,060,363.63 35,171,081.68 30,973,477.45 24,105,253.71
63,420,280.63 64,120,727.25 70,342,163.37 61,946,954.91 48,210,507.41
101,489,527.98 29,879,979.83 84,079,662.69 82,292,889.36 163,795,470.28

2,115.99 1,473.66 1,742.51 1,758.20 2,971.91


81,272.33 83,940.21 86,348.76 85,873.87 88,325.36
196,619,948.93 126,061,070.71 189,592,907.74 175,213,321.72 236,111,231.40

61820222426283032343638404244464850
6 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
nB Column C

22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
23 25 27 29 31 33 35 37 39 41 43 45 47 49
nD Column E
13 14 15 16 17
0% 2% 0% 2% 4%
127,325.59 126,552.51 131,397.73 134,543.14 134,985.36
7,140.00 6,132.00 6,312.00 5,892.00 5,736.00
22,551,907.94 21,686,038.72 31,409,312.40 24,217,765.57 38,681,403.39
45,103,815.87 43,372,077.43 62,818,624.79 48,435,531.14 77,362,806.79
99,367,409.31 158,868,932.32 105,057,150.96 91,899,712.55 223,957,175.56

1,678.50 2,582.95 1,321.63 2,086.63 2,199.75


89,127.91 88,586.76 91,978.41 94,180.20 94,489.75
167,023,133.12 223,927,048.46 199,285,088.15 164,553,009.26 340,001,385.74
18 19 20
1% 3% 3%
134,591.48 139,774.73 144,979.80
4,392.00 5,568.00 6,708.00
32,624,973.55 24,958,176.20 27,348,988.85
65,249,947.09 49,916,352.40 54,697,977.70
191,116,040.30 191,555,689.50 139,227,655.60

3,475.70 2,815.18 3,483.96


94,214.03 97,842.31 101,485.86
288,990,960.94 266,430,218.11 221,274,622.15
Empleado 4%
Empresa 10%
Diferencia Estado
Cobertura 100,000 personas
Max 729.30
Min 425.43
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
0% -1%
Población 100,000.00 103,262.19 104,421.84
Salario 4,464.00 5,196.00 5,244.00
Aporte de empleados 2% 23,328,000.00 22,998,554.48 20,399,850.83
Aporte de la empresa 5% 58,320,000.00 57,496,386.20 50,999,627.09
Diferencia del Estado 118,618,135.07 159,766,559.08 185,205,696.99

Reclamos prom anual 2,323.71 2,268.07 2,581.48


70% de la población 70,000.00 72,283.53 73,095.29
Costo total 200,266,135.07 240,261,499.76 256,605,174.91

1 1,539,501,000.72 1,800,000,000.00 6.84%


2 1,539,501,000.72 1,800,000,000.00 6.84%
3 1,539,501,000.72 1,800,000,000.00 6.84%
4 1,539,501,000.72 1,800,000,000.00 6.84%
5 1,539,501,000.72 1,800,000,000.00 6.84%
6 1,539,501,000.72 1,800,000,000.00 6.84%
7 1,539,501,000.72 1,800,000,000.00 6.84%
8 1,539,501,000.72 1,800,000,000.00 6.84%
9 1,539,501,000.72 1,800,000,000.00 6.84%
10 1,539,501,000.72 1,800,000,000.00 6.84%
11 1,539,501,000.72 1,800,000,000.00 6.84%
12 1,539,501,000.72 1,800,000,000.00 6.84%
13 1,539,501,000.72 1,800,000,000.00 6.84%
14 1,539,501,000.72 1,800,000,000.00 6.84%
15 1,539,501,000.72 1,800,000,000.00 6.84%
16 1,539,501,000.72 1,800,000,000.00 6.84%
17 1,539,501,000.72 1,800,000,000.00 6.84%
18 1,539,501,000.72 1,800,000,000.00 6.84%
19 1,539,501,000.72 1,800,000,000.00 6.84%
20 1,539,501,000.72 1,800,000,000.00 6.84%
21 1,539,501,000.72 1,800,000,000.00 6.84%
22 1,539,501,000.72 1,800,000,000.00 6.84%
23 1,539,501,000.72 1,800,000,000.00 6.84%
24 1,539,501,000.72 1,800,000,000.00 6.84%
25 1,539,501,000.72 1,800,000,000.00 6.84%
26 1,539,501,000.72 1,800,000,000.00 6.84%
27 1,539,501,000.72 1,800,000,000.00 6.84%
28 1,539,501,000.72 1,800,000,000.00 6.84%
29 1,539,501,000.72 1,800,000,000.00 6.84%
30 1,539,501,000.72 1,800,000,000.00 6.84%
31 1,539,501,000.72 1,800,000,000.00 6.84%
32 1,539,501,000.72 1,800,000,000.00 6.84%
33 1,539,501,000.72 1,800,000,000.00 6.84%
34 1,539,501,000.72 1,800,000,000.00 6.84%
35 1,539,501,000.72 1,800,000,000.00 6.84%
36 1,539,501,000.72 1,800,000,000.00 6.84%
37 1,539,501,000.72 1,800,000,000.00 6.84%
38 1,539,501,000.72 1,800,000,000.00 6.84%
39 1,539,501,000.72 1,800,000,000.00 6.84%
40 1,539,501,000.72 1,800,000,000.00 6.84%
41 1,539,501,000.72 1,800,000,000.00 6.84%
42 1,539,501,000.72 1,800,000,000.00 6.84%
43 1,539,501,000.72 1,800,000,000.00 6.84%
44 1,539,501,000.72 1,800,000,000.00 6.84%
45 1,539,501,000.72 1,800,000,000.00 6.84%
46 1,539,501,000.72 1,800,000,000.00 6.84%
47 1,539,501,000.72 1,800,000,000.00 6.84%
48 1,539,501,000.72 1,800,000,000.00 6.84%
49 1,539,501,000.72 1,800,000,000.00 6.84%
50 1,539,501,000.72 1,800,000,000.00 6.84%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
2% -1% 3% 0%
106,843.17 106,711.37 108,506.44 111,342.65
5,352.00 4,872.00 4,668.00 5,280.00
25,744,929.14 26,737,601.35 26,718,625.48 23,141,456.94
64,362,322.85 66,844,003.37 66,796,563.69 57,853,642.35
177,578,205.10 100,666,916.34 121,877,214.00 137,907,122.53

3,379.61 3,355.27 3,517.45 2,211.32


74,790.22 74,697.96 75,954.51 77,939.86
267,685,457.09 194,248,521.07 215,392,403.17 218,902,221.82

8.00%
8.00%
8.00%
8.00%
8.00% 1,850,000,000.00
8.00% 1,800,000,000.00
8.00%
8.00% 1,750,000,000.00
8.00%
8.00% 1,700,000,000.00
8.00%
8.00% 1,650,000,000.00
8.00% 1,600,000,000.00 Colu
Colu
1,550,000,000.00
1,500,000,000.00
1,450,000,000.00
1,750,000,000.00
1,700,000,000.00
1,650,000,000.00
1,600,000,000.00 Colu
8.00% Colu
8.00% 1,550,000,000.00
8.00%
8.00% 1,500,000,000.00
8.00%
8.00% 1,450,000,000.00
8.00% 1,400,000,000.00
8.00%
3 7 11 15 19 23 27 31 35 39 43 47
8.00%
1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00%
9.00%
8.00%
8.00% 8.00%
8.00% 7.00%
8.00% Co
8.00% 6.00% Co
8.00% 5.00%
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
-1% 1% 1% 1% 3%
114,017.07 115,253.04 114,156.67 115,164.44 118,811.56
6,312.00 4,836.00 6,888.00 4,680.00 4,560.00
27,364,096.29 29,596,981.28 28,931,867.20 28,413,369.70 24,294,588.38
68,410,240.72 73,992,453.21 72,329,668.01 71,033,424.24 60,736,470.95
55,657,996.43 66,267,958.81 99,729,341.80 15,084,650.81 203,276,925.36

2,566.18 2,283.69 1,680.88 2,773.90 3,078.09


79,811.95 80,677.13 79,909.67 80,615.11 83,168.09
151,432,333.45 169,857,393.30 200,990,877.01 114,531,444.75 288,307,984.70

Column B
Column C
Column B
Column C

23 27 31 35 39 43 47
1 25 29 33 37 41 45 49

Column D
Column E

6 28 30 32 34 36 38 40 42 44 46 48 50
27 29 31 33 35 37 39 41 43 45 47 49
13 14 15 16 17
2% -1% 0% -1% 2%
117,986.71 120,763.21 121,721.54 120,580.39 121,454.90
4,932.00 6,456.00 6,936.00 6,084.00 7,128.00
21,917,211.23 21,273,647.36 20,741,349.58 28,360,508.22 23,319,341.42
54,793,028.07 53,184,118.40 51,853,373.95 70,901,270.55 58,298,353.55
95,542,425.51 236,513,137.49 72,205,248.07 152,848,842.82 115,754,871.74

1,453.77 3,673.10 3,317.56 3,509.04 3,490.55


82,590.70 84,534.25 85,205.07 84,406.27 85,018.43
172,252,664.81 310,970,903.25 144,799,971.59 252,110,621.58 197,372,566.70
18 19 20
0% 4% 1%
125,969.00 129,012.81 130,260.45
5,316.00 6,024.00 6,372.00
33,679,071.23 22,912,675.58 28,386,356.57
84,197,678.06 57,281,688.95 70,965,891.42
19,193,904.96 150,527,345.93 135,733,407.83

1,963.21 1,791.09 2,178.74


88,178.30 90,308.97 91,182.31
137,070,654.25 230,721,710.46 235,085,655.82
Empleado 4%
Empresa 10%
Diferencia Estado
Cobertura 100,000 personas
Max 765.77
Min 446.70
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
1% 1%
Población 100,000.00 103,854.01 107,351.50
Salario 4,500.00 5,616.00 6,024.00
Aporte de empleados 2% 27,840,000.00 28,763,407.17 27,619,394.48
Aporte de la empresa 5% 69,600,000.00 71,908,517.93 69,048,486.21
Diferencia del Estado 1,681,055.65 55,540,050.14 91,605,395.61

Reclamos prom anual 2,808.27 3,414.34 3,144.67


70% de la población 70,000.00 72,697.81 75,146.05
Costo total 99,121,055.65 156,211,975.24 188,273,276.31

1 1,090,426,105.47 1,800,000,000.00 4.85%


2 1,090,426,105.47 1,800,000,000.00 4.85%
3 1,090,426,105.47 1,800,000,000.00 4.85%
4 1,090,426,105.47 1,800,000,000.00 4.85%
5 1,090,426,105.47 1,800,000,000.00 4.85%
6 1,090,426,105.47 1,800,000,000.00 4.85%
7 1,090,426,105.47 1,800,000,000.00 4.85%
8 1,090,426,105.47 1,800,000,000.00 4.85%
9 1,090,426,105.47 1,800,000,000.00 4.85%
10 1,090,426,105.47 1,800,000,000.00 4.85%
11 1,090,426,105.47 1,800,000,000.00 4.85%
12 1,090,426,105.47 1,800,000,000.00 4.85%
13 1,090,426,105.47 1,800,000,000.00 4.85%
14 1,090,426,105.47 1,800,000,000.00 4.85%
15 1,090,426,105.47 1,800,000,000.00 4.85%
16 1,090,426,105.47 1,800,000,000.00 4.85%
17 1,090,426,105.47 1,800,000,000.00 4.85%
18 1,090,426,105.47 1,800,000,000.00 4.85%
19 1,090,426,105.47 1,800,000,000.00 4.85%
20 1,090,426,105.47 1,800,000,000.00 4.85%
21 1,090,426,105.47 1,800,000,000.00 4.85%
22 1,090,426,105.47 1,800,000,000.00 4.85%
23 1,090,426,105.47 1,800,000,000.00 4.85%
24 1,090,426,105.47 1,800,000,000.00 4.85%
25 1,090,426,105.47 1,800,000,000.00 4.85%
26 1,090,426,105.47 1,800,000,000.00 4.85%
27 1,090,426,105.47 1,800,000,000.00 4.85%
28 1,090,426,105.47 1,800,000,000.00 4.85%
29 1,090,426,105.47 1,800,000,000.00 4.85%
30 1,090,426,105.47 1,800,000,000.00 4.85%
31 1,090,426,105.47 1,800,000,000.00 4.85%
32 1,090,426,105.47 1,800,000,000.00 4.85%
33 1,090,426,105.47 1,800,000,000.00 4.85%
34 1,090,426,105.47 1,800,000,000.00 4.85%
35 1,090,426,105.47 1,800,000,000.00 4.85%
36 1,090,426,105.47 1,800,000,000.00 4.85%
37 1,090,426,105.47 1,800,000,000.00 4.85%
38 1,090,426,105.47 1,800,000,000.00 4.85%
39 1,090,426,105.47 1,800,000,000.00 4.85%
40 1,090,426,105.47 1,800,000,000.00 4.85%
41 1,090,426,105.47 1,800,000,000.00 4.85%
42 1,090,426,105.47 1,800,000,000.00 4.85%
43 1,090,426,105.47 1,800,000,000.00 4.85%
44 1,090,426,105.47 1,800,000,000.00 4.85%
45 1,090,426,105.47 1,800,000,000.00 4.85%
46 1,090,426,105.47 1,800,000,000.00 4.85%
47 1,090,426,105.47 1,800,000,000.00 4.85%
48 1,090,426,105.47 1,800,000,000.00 4.85%
49 1,090,426,105.47 1,800,000,000.00 4.85%
50 1,090,426,105.47 1,800,000,000.00 4.85%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
0% 2% 0% 0%
107,356.23 107,313.18 108,163.15 107,412.88
6,504.00 5,160.00 7,020.00 4,236.00
28,393,575.51 24,158,342.78 28,970,416.80 28,924,140.02
70,983,938.78 60,395,856.95 72,426,042.01 72,310,350.05
101,469,262.46 119,694,105.58 24,727,892.42 60,302,337.76

1,467.57 3,343.35 2,830.70 1,405.53


75,149.36 75,119.23 75,714.20 75,189.02
200,846,776.74 204,248,305.31 126,124,351.23 161,536,827.83

8.00%
8.00%
8.00%
8.00%
8.00% 2,000,000,000.00
8.00% 1,800,000,000.00
8.00%
8.00% 1,600,000,000.00
8.00% 1,400,000,000.00
8.00%
8.00% 1,200,000,000.00
8.00%
1,000,000,000.00
8.00% Colu
800,000,000.00 Colu
600,000,000.00
400,000,000.00
200,000,000.00
1,600,000,000.00
1,400,000,000.00
1,200,000,000.00
1,000,000,000.00
Colu
8.00% 800,000,000.00 Colu
8.00%
8.00% 600,000,000.00
8.00% 400,000,000.00
8.00%
8.00% 200,000,000.00
8.00% -
8.00%
3 7 11 15 19 23 27 31 35 39 43 47
8.00% 1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00%
9.00%
8.00%
8.00% 8.00%
8.00% 7.00%
8.00% Co
8.00% 6.00% Co
8.00% 5.00%
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
4% 2% 3% 3% 2%
108,953.76 111,094.36 110,626.50 113,106.48 115,128.21
4,512.00 6,516.00 6,936.00 6,348.00 4,344.00
20,814,525.73 20,423,586.56 29,417,797.73 21,879,317.79 22,933,539.85
52,036,314.32 51,058,966.39 73,544,494.32 54,698,294.47 57,333,849.62
59,826,546.41 78,466,910.67 123,328,077.05 139,679,657.07 134,208,123.00

1,576.38 1,361.41 2,587.84 1,818.47 2,492.06


76,267.63 77,766.05 77,438.55 79,174.54 80,589.75
132,677,386.46 149,949,463.61 226,290,369.11 216,257,269.33 214,475,512.47

Column B
Column C
Column B
Column C

23 27 31 35 39 43 47
1 25 29 33 37 41 45 49

Column D
Column E

6 28 30 32 34 36 38 40 42 44 46 48 50
27 29 31 33 35 37 39 41 43 45 47 49
13 14 15 16 17
0% 3% 1% 4% -1%
115,703.90 115,146.62 117,322.80 118,560.60 118,895.71
7,200.00 4,776.00 5,316.00 6,492.00 5,736.00
27,935,548.57 20,947,473.62 29,396,401.70 23,901,817.28 26,138,032.92
69,838,871.42 52,368,684.06 73,491,004.25 59,754,543.19 65,345,082.31
93,191,880.23 155,590,005.44 168,184,578.75 62,482,194.35 67,307,131.27

2,048.02 3,162.17 2,694.25 1,691.37 2,292.86


80,992.73 80,602.64 82,125.96 82,992.42 83,227.00
190,966,300.21 228,906,163.13 271,071,984.69 146,138,554.82 158,790,246.50
18 19 20
2% -1% 0%
120,364.68 122,657.70 123,873.14
4,320.00 5,724.00 5,268.00
31,545,175.12 34,854,410.64 24,199,856.72
78,862,937.80 87,136,026.60 60,499,641.81
148,802,867.83 58,277,318.58 121,447,585.58

3,494.66 2,691.00 1,670.49


84,255.28 85,860.39 86,711.20
259,210,980.75 180,267,755.82 206,147,084.12
Empleado 4%
Empresa 10%
Diferencia Estado
Cobertura 100,000 personas
Max 600
Min 350
Crecimiento ¨-1 a 4% anual Distribuido uniformemente
Max 4
Min -1
Reclamos 70% de las personas presentan reclamos
Promedio $2,500 x empleado anuales
σ 400
Producto Interno bruto 22,500,000,000.00 1,800,000,000.00

* Proponga un modelo que permita determinar el valor presente de los pagos anuales que hay que hacer en el
participantes del sistema de salud.
* Supóngase que para que el escenario sea factible, el valor presente neto de la aportación del estado sea equivalente a no m
cual, para este año se estima en B/. 22.5 mil millones. Igualmente
* En caso de que no se cumpla con el requerimiento anterior, determine cuales son los parámetros más sensitiv
requerimiento

Ingresos

1 2 3
2% 2%
Población 100,000.00 101,506.04 100,838.27
Salario 5,676.00 5,184.00 6,396.00
Aporte de empleados 2% 27,648,000.00 18,222,364.43 24,878,817.34
Aporte de la empresa 5% 69,120,000.00 45,555,911.07 62,197,043.36
Diferencia del Estado 96,505,501.18 176,560,610.61 86,050,779.49

Reclamos prom anual 2,752.66 2,150.05 1,943.67


70% de la población 70,000.00 71,054.23 70,586.79
Costo total 193,273,501.18 240,338,886.11 173,126,640.19

1 1,566,336,903.70 1,800,000,000.00 6.96%


2 1,566,336,903.70 1,800,000,000.00 6.96%
3 1,566,336,903.70 1,800,000,000.00 6.96%
4 1,566,336,903.70 1,800,000,000.00 6.96%
5 1,566,336,903.70 1,800,000,000.00 6.96%
6 1,566,336,903.70 1,800,000,000.00 6.96%
7 1,566,336,903.70 1,800,000,000.00 6.96%
8 1,566,336,903.70 1,800,000,000.00 6.96%
9 1,566,336,903.70 1,800,000,000.00 6.96%
10 1,566,336,903.70 1,800,000,000.00 6.96%
11 1,566,336,903.70 1,800,000,000.00 6.96%
12 1,566,336,903.70 1,800,000,000.00 6.96%
13 1,566,336,903.70 1,800,000,000.00 6.96%
14 1,566,336,903.70 1,800,000,000.00 6.96%
15 1,566,336,903.70 1,800,000,000.00 6.96%
16 1,566,336,903.70 1,800,000,000.00 6.96%
17 1,566,336,903.70 1,800,000,000.00 6.96%
18 1,566,336,903.70 1,800,000,000.00 6.96%
19 1,566,336,903.70 1,800,000,000.00 6.96%
20 1,566,336,903.70 1,800,000,000.00 6.96%
21 1,566,336,903.70 1,800,000,000.00 6.96%
22 1,566,336,903.70 1,800,000,000.00 6.96%
23 1,566,336,903.70 1,800,000,000.00 6.96%
24 1,566,336,903.70 1,800,000,000.00 6.96%
25 1,566,336,903.70 1,800,000,000.00 6.96%
26 1,566,336,903.70 1,800,000,000.00 6.96%
27 1,566,336,903.70 1,800,000,000.00 6.96%
28 1,566,336,903.70 1,800,000,000.00 6.96%
29 1,566,336,903.70 1,800,000,000.00 6.96%
30 1,566,336,903.70 1,800,000,000.00 6.96%
31 1,566,336,903.70 1,800,000,000.00 6.96%
32 1,566,336,903.70 1,800,000,000.00 6.96%
33 1,566,336,903.70 1,800,000,000.00 6.96%
34 1,566,336,903.70 1,800,000,000.00 6.96%
35 1,566,336,903.70 1,800,000,000.00 6.96%
36 1,566,336,903.70 1,800,000,000.00 6.96%
37 1,566,336,903.70 1,800,000,000.00 6.96%
38 1,566,336,903.70 1,800,000,000.00 6.96%
39 1,566,336,903.70 1,800,000,000.00 6.96%
40 1,566,336,903.70 1,800,000,000.00 6.96%
41 1,566,336,903.70 1,800,000,000.00 6.96%
42 1,566,336,903.70 1,800,000,000.00 6.96%
43 1,566,336,903.70 1,800,000,000.00 6.96%
44 1,566,336,903.70 1,800,000,000.00 6.96%
45 1,566,336,903.70 1,800,000,000.00 6.96%
46 1,566,336,903.70 1,800,000,000.00 6.96%
47 1,566,336,903.70 1,800,000,000.00 6.96%
48 1,566,336,903.70 1,800,000,000.00 6.96%
49 1,566,336,903.70 1,800,000,000.00 6.96%
50 1,566,336,903.70 1,800,000,000.00 6.96%
os anuales que hay que hacer en el sistema, para los diferentes

tación del estado sea equivalente a no más del 8% de PIB actual del país, el

ales son los parámetros más sensitivos para que se cumpla ese

4 5 6 7
3% 3% 1% 2%
102,397.15 102,145.38 106,151.75 106,026.86
4,884.00 5,184.00 6,456.00 4,884.00
28,949,723.19 17,895,870.90 25,934,994.61 18,423,228.01
72,374,307.96 44,739,677.26 64,837,486.52 46,058,070.01
94,236,191.71 78,693,983.54 105,681,934.60 208,414,182.92

2,552.45 1,595.51 3,684.80 1,379.13


71,678.01 71,501.77 74,306.22 74,218.81
195,560,222.85 141,329,531.71 196,454,415.73 272,895,480.94

8.00%
8.00%
8.00%
8.00%
8.00% 1,850,000,000.00
8.00% 1,800,000,000.00
8.00%
8.00% 1,750,000,000.00
8.00%
8.00% 1,700,000,000.00
8.00%
8.00% 1,650,000,000.00
8.00% 1,600,000,000.00 Colu
Colu
1,550,000,000.00
1,500,000,000.00
1,450,000,000.00
1,750,000,000.00
1,700,000,000.00
1,650,000,000.00
1,600,000,000.00 Colu
8.00% Colu
8.00% 1,550,000,000.00
8.00%
8.00% 1,500,000,000.00
8.00%
8.00% 1,450,000,000.00
8.00% 1,400,000,000.00
8.00%
3 7 11 15 19 23 27 31 35 39 43 47
8.00%
1 5 9 13 17 21 25 29 33 37 41 45 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
12.00%
8.00%
8.00% 11.00%
8.00% 10.00%
8.00%
9.00%
8.00%
8.00% 8.00%
8.00% 7.00%
8.00% Co
8.00% 6.00% Co
8.00% 5.00%
8.00%
4.00%
8.00%
8.00% 3.00%
8.00% 2.00%
8.00% 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50
8.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8 9 10 11 12
1% 3% 2% 2% 0%
107,244.95 107,083.96 108,706.93 112,794.51 111,944.63
4,920.00 6,228.00 4,872.00 6,444.00 5,976.00
21,929,448.38 27,653,362.35 22,593,648.06 28,857,346.83 23,374,039.23
54,823,620.96 69,133,405.89 56,484,120.16 72,143,367.07 58,435,098.08
160,350,460.27 134,046,208.50 197,053,185.99 167,471,811.32 90,834,242.47

3,227.49 2,170.86 1,961.70 2,003.77 2,959.50


75,071.47 74,958.77 76,094.85 78,956.16 78,361.24
237,103,529.62 230,832,976.74 276,130,954.21 268,472,525.21 172,643,379.78

Column B
Column C
Column B
Column C

23 27 31 35 39 43 47
1 25 29 33 37 41 45 49

Column D
Column E

6 28 30 32 34 36 38 40 42 44 46 48 50
27 29 31 33 35 37 39 41 43 45 47 49
13 14 15 16 17
-1% 3% -1% 0% 3%
114,766.01 117,398.94 120,435.31 121,360.85 122,581.33
6,888.00 6,276.00 5,352.00 4,572.00 4,260.00
22,145,248.79 29,415,477.32 24,337,567.61 28,602,326.08 22,417,673.64
55,363,121.98 73,538,693.29 60,843,919.04 71,505,815.20 56,044,184.11
112,679,369.78 192,023,540.70 45,610,653.65 28,517,385.59 87,799,077.31

1,632.25 2,147.55 2,600.57 1,927.75 2,132.36


80,336.21 82,179.25 84,304.72 84,952.60 85,806.93
190,187,740.55 294,977,711.30 130,792,140.30 128,625,526.87 166,260,935.06
18 19 20
2% 2% 2%
125,677.08 127,286.73 131,030.44
4,548.00 4,764.00 7,068.00
22,863,174.55 34,947,845.84 31,950,463.09
57,157,936.38 87,369,614.59 79,876,157.73
181,179,275.37 178,576,430.12 88,538,369.86

2,006.19 2,019.15 2,914.87


87,973.96 89,100.71 91,721.31
261,200,386.29 300,893,890.54 200,364,990.67