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    題名: 癌症保險損失率之探討
    其他題名: A study on loss ratio for cancer insurance
    作者: 李興國;Lee, Hsing-kuo
    貢獻者: 淡江大學保險學系保險經營碩士在職專班
    繆震宇;Miao, Cheu-yu;汪琪玲;Wang, Kili C.
    關鍵詞: 癌症保險;損失率;卡方檢定;迴歸分析;Cancer insurance;Loss Ratio;Chi-Square;regression analysis
    日期: 2009
    上傳時間: 2010-01-11 02:05:31 (UTC+8)
    摘要: 經由許多報告指出,台灣地區之癌症保險損失率居高不下,費率也因此不斷調高,但是與損失率有關的因素除了費率之外,是否還有其他相關的因素,可以用事先的篩選而避免呢?
    Many researches pointed out that the loss ratio of cancer insurance was higher in Taiwan area. It was also the main factor caused the expense rate adjusted increasingly. But excepted the expense rate, are there other factors related to the loss ratio which could be selected and avoided in advance?
    The main issue on the research is discussing the related factors excepted the expense rate which could affect the selected sample’s cancer loss ration with the enforced policies since year 2001. First, by means of chi-square statistic to test the variances which are related or not to claim’s frequencies, high protection or multi protection. Secondly, using regression analyze to judge the result obviously or not.
    Therefore, we summarized up as following:
    1.Toward claim frequencies, high amount of insurance and multiple protection have the different degree of interactions with the factors of sex gender, distribution channels, careers, residence, coverage of insurance and protection.
    But from the selected company sample showed that cancer loss ratio did not have the obviously higher relation with expense rate and qualified underwriting ways.
    2.Substand risk have positive and obvious positive relation with cancer loss ratio.
    顯示於類別:[保險學系暨研究所] 學位論文


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