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|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|
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|
|Issue Date: ||2015-05-04 09:47:03 (UTC+8)|
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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