癌症保險損失率之探討

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Title:	癌症保險損失率之探討
Other Titles:	A study on loss ratio for cancer insurance
Authors:	李興國;Lee, Hsing-kuo
Contributors:	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.
Keywords:	癌症保險;損失率;卡方檢定;迴歸分析;Cancer insurance;Loss Ratio;Chi-Square;regression analysis
Date:	2009
Issue Date:	2010-01-11 02:05:31 (UTC+8)
Abstract:	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？本研究主要在探討樣本公司在民國90年生效之癌症保險損失率，除了費率之外是否還有其他相關之因素，先藉由卡方檢定來了解各變數與理賠次數、高保額及多保障是否有關，再由迴歸分析來判定顯著與否，進而提出推論得到結論如下： 1、由性別、通路、職業類別、居住地區、保額高低、保障多寡等因素雖然對理賠次數、高保額及多保障的關係有強有弱，但因樣本公司的藉由費率及核保等方式使其對癌險保險的損失率關係都不高。 2、次標準體對癌症險的損失率的關係則有顯著的正向關係。 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.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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