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    Title: 建構團體傷害保險業務品質管理系統的研究:以臺灣個案產險公司為例=THE CONSTRUCTION OF GROUP INJURY INSURANCE QUALITY MANAGEMENT SYSTEM: EMPIRICAL STUDY OF PROPERTY-LIABILITY INSURANCE COMPANY IN TAIWAN
    Other Titles: THE CONSTRUCTION OF GROUP INJURY INSURANCE QUALITY MANAGEMENT SYSTEM: EMPIRICAL STUDY OF PROPERTY-LIABILITY INSURANCE COMPANY IN TAIWAN
    Authors: 李旭華;許銘元;李珍穎
    Keywords: 團體傷害保險;逆選擇;事前道德風險;結構方程式;品質管理;group injury insurance;adverse selection;ex-ante moral hazard;structural equitation model;quality management
    Date: 2017-02-28
    Issue Date: 2017-06-28 02:10:33 (UTC+8)
    Publisher: 中華民國品質學會&Airiti Press Inc.
    Abstract: 本研究之目的在驗證核保判斷為高風險的團體是否會去購買高保額的保單?而購買高保額保單的團體是否會導致高損失率?研究對象為臺灣某家產險公司2009年及2010年團體保險承保及理賠資料,以結構方程式為研究方法。比較2009及2010年的驗證結果發現,核保政策的推動使身故及殘廢平均保額之逆選擇現象消失。費率政策的落實,也有效的降低了實支實付醫療平均保額及住院日額平均保額逆選擇的現象。有效控制逆選擇的結果,也讓事前道德風險得以降低。研究結果可協助該個案公司建立一個健全的核保制度可不斷改進的業務品質管理系統。
    Relation: 品質學報 24(1),頁45-59
    DOI: 10.6220/joq.2017.24(1).04
    Appears in Collections:[管理科學學系暨研究所] 期刊論文

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