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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/102089

    Title: 團體保險專案商品理賠率之研究 : 以T保險公司為例
    Other Titles: The compensation ratio study of the group insurance project products : with life insurance "T" for case study
    Authors: 廖小英;Liao, Hsiao-Ying
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    郝充仁;Hao, Chung-Jen;李雅婷;Lee, Ya-Ting
    Keywords: 團體保險;專案商品;理賠率;逆選擇;group insurance;project products;compensation ratio;adverse selection
    Date: 2014
    Issue Date: 2015-05-04 09:47:03 (UTC+8)
    Abstract: 台灣自民國六十年推出第一張團體險保單迄今已有四十餘年。近年來團體保險發展已遭遇重大瓶頸,同業間削價競爭,導致理賠率居高不下,保險公司幾乎已無獲利空間。各保險公司為尋求有利基之業務,莫不進行市場區隔,針對小團體推出專案商品。但因專案商品具有統一銷售、費率一致、核保簡單化(大多為免填寫健康告知)等條件,是否將吸引高風險之要保單位投保,導致理賠率提高,或因健康告知條件不同,吸引高風險團體選擇免健康告知,導致理賠率提高,則值得研究。
    In 1971, Taiwan launched the first group insurance policies so far. . In recent years, the evelopment of group insurance has limited due to price competition, which has led to high odds and there is no profit for insurance company. Because of this, the insurance companies looking for the method to increase profit. Each insurance company is seeking a niche business, market segmentation, and launching products for specific groups. These products have single sale channel, consistent rates, simple requirements (no need a health announce) and son on…. , may attract high-risk insurance protection units, this will result in higher compensation rate. Because the high-risk groups are choosing free health advice, may cause higher compensation rate, this is case worth further study.
    This study is based on the project products of T insurance company. Through statistical analysis, to understand the status of these insured units and profit and loss condition . It is also hoped that there will be a better understanding of the risks of the project commodity operations, and provide suggestions and countermeasures can be made so that goods can be better obtained through ad hoc group insurance. This will also encourage better operation and development.
    The study found that project products do not attract high-risk insurant and also don’t increase compensation ratio. Analysis of the claims cases showed the accident odds ranging from 33% to 51%, did not found the high risk insurant who want pay lower accident insurance price . Actual more insured population will reduce the risk of profession category risk of project products. Different health announce condition , will attract high risk group to choose that don''t need health announce of the project products. this will cause high compensation ratio, and cause the risk of adverse selection. Insurance company need find out the solution to prevent this then keep the profit.
    Appears in Collections:[保險學系暨研究所] 學位論文

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