自民國86年開放產物保險業可行銷傷害保險。由於傷害保險商品與傳統產物保險業務存在極大差異，為有效確保產險公司營運績效、提高獲利能力，實有必要針對投保客戶進行損失率分析。本文擬採用國內某知名產險公司，以其公司個人傷害保險歷年來資料，進行模型建立與研究分析。經羅吉斯迴歸分析研究結果顯示，被保險人性別與損失率無關、被保險人年齡15-24歲出險機率較年齡65歲以上者為高、被保險人職業類別(三、四類)出險機率較第一類為高、被保險人居住區域於台北市、新北市時其出險機率較桃竹苗、高屏及花東外島區域為高。若能有效運用以上相關研究的實證結果，以分析傷害保險危險因子對出險率之影響，將有助於產物保險公司在經營個人傷害保險之核保理賠之依據，進而改善損失率，以提高公司獲利能力。 The property liability insurance industry opened the door to the accident insurance in 1997. Since there are big differences between the accident insurance and the traditional property liability insurance, it is necessary to conduct an analysis of policyholders to ensure the operating performance of the insurance companies and improve their profitability. This paper uses the individual data of the accident insurance collected from a well-known property liability insurance company in Taiwan to build a model for the research and analysis. The following results are based on the Logit regression model analysis：There is no relationship between the gender of the insured and the loss ratio. The loss ratio of the insured aged 15 – 24 is higher than those aged above 65. The loss ratio of the insured in occupational category 3 and 4 is higher than the occupational category 1. The loss ratio of the insured residing in both Taipei city and New Taipei city is higher than those residing in both Taoyuan、Hsinchu、Miaoli、Kaohsiung、Pingtung、Hualien、Taitung and Island areas. If these empirical results are used effectively in the analysis of how the risk factors in the accident insurance influences the loss ratio, it will be helpful to provide an underwriting basis for the property casualty insurance companies in their operation of the accident insurance, to reduce loss ratio of accident insurance, and to improve the benefits for insurance companies.
