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In this paper we aim to study an optimal insurance premium level forhealth-care in a deterministic and stochastic SIR models with migration fluxesand vaccination of population. The studied model considers two standard SIRcentres connected via links and continuous migration fluxes. The premium iscalculated using the basic equivalence principle. Even in this simple setupthere are non-intuitive results that illustrate how the premium depends onmigration rates, severeness of a disease and initial distribution of healthyand infected individuals through the centres. We investigate how thevaccination program effects the insurance costs by comparing the savings inbenefits with the expenses for vaccination. We compare the results ofdeterministic and stochastic models.

Fair Insurance Premium Level in Connected SIR Model under Epidemic Outbreak