產險業加入傷害保險市場後，其傷害保險保費收入由開辦初始至今(2016年)已成長約2.2倍。而隨著產險業傷害保險業務規模逐年擴大，其保險給付與損失率亦隨著業務的成長而逐漸攀升。因此強化核保管理，重視核保風險管控與慎選業務品質，是產險業經營傷害保險所需正視的課題。本研究擬針對影響個人傷害核保的各項因素，包括要保文件、告知義務、危險因素及承保決策等進行探討，並利用案例分析探討個人傷害核保評估構面，以提供產險業者在核保管理上之參考。 Since the Non-Life insurance industry joined the personal accident insurance market, the premiums have grown by about 2.2 times from 1998. With the personal accident insurance business scale in Non-Life insurance industry expanding gradually, the amount of insurance payment and loss ratio are also increasing accordingly. Therefore, strengthening the underwriting management, including risk control and business selection, is the main topic of the personal accident insurance operation in Non-Life insurance industry. This study aims at the influence factors of personal accident insurance underwriting, including check of proposal, duty of representation, type of hazards and underwriting strateges. We also analyze several cases to find the key facors helpful for insureder’s underwriting management.
