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