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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/33252

    Title: 人身保險停效保單復效動機與風險之研究
    Other Titles: Studies on the motivation and risk of reinstatement of the lapse policy of individual insurance
    Authors: 蕭玲蓉;Hsiao, Ling-jung
    Contributors: 淡江大學管理科學研究所企業經營碩士在職專班
    陳定國;Chen, Ding-guo
    Keywords: 停效保單;復效;核保;理賠記錄;Policy Lapse;Reinstatement;Underwriting;Claim Of Histories
    Date: 2006
    Issue Date: 2010-01-11 03:47:40 (UTC+8)
    Abstract: 本文以A壽險公司個人險經審核獲准之復效保單,在回復效力一年內即發生事故,經保險公司已報已決之結案件,為研究對象。
    This paper is to study and analyze the early claim (within 1 year of commencement reinstatement) results of the payment of individual life insurance reinstatement polices. 
    A policy lapse in force again in compliance with the reinstatement provision of the policy owner must provide evidence of insurability satisfactory to the insurance companies. After this evidence is reviewed, the underwriter can recommend one of three actions:
    1. To grant reinstatement as requested.
    2. To decline reinstatement if the risk has increased so much that the underwriter cannot justify allowing the person to remain in the original risk class.
    3. To offer to reissue the policy at a higher premium charge.
    There are five purposes of the study:
    1. Discussing the lapsed policy phenomenon in Taiwan
    2. Analyzing the intention to reinstate a policy.
    3. Describing the early claim result.
    4. Discussing the influence of claim records before lapsed.
    5. Analyzing the insured apply repeat claim histories
    We hope that this study could be beneficial to the government and insurance companies. The major findings of this study are as follows:
    1. The female’ morbidity is higher than male after reinstatement.
    2. The probability of the male suffered accident incident is higher than the female.
    3. The client gained the benefit of claim has higher risk than before lapsed.
    4. The policies of reinstatement has higher loss ration and payment than without lapsed policies.
    To remain the right of policy owner must provide evidence of insurability satisfactory to the insurance companies that prevent the anti-selection. To permit reinstatement as requested must base on various product .
    Appears in Collections:[Department of Management Sciences] Thesis

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