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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/51731

    Title: 次標準體壽險保單核保理賠分析
    Other Titles: A study of underwriting and claim for life insurance substandard policies
    Authors: 劉曉燕;Liu, Hsiao-yen
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    田峻吉;Tien, Jyun-ji
    Keywords: 次標準體;核保;理賠;substandard;Underwriting;claim
    Date: 2010
    Issue Date: 2010-09-23 15:56:04 (UTC+8)
    Abstract: 本文利用保險公司標準體保單及次標準體保單的理賠資料及承保條件,透過迴歸模型加以實證分析,盼能找出次標準體保單死亡相關風險的顯著因素,提供該壽險公司核保與理賠人員參考,並對於次標準體保單核保與理賠提出改進意見。
    This purpose of this paper is analyzing the risk of substandard policies by claim data and underwriting condition for the standard and substandard policies of one life insurance company in Taiwan. I use the traditional ordinary least square and logistic model to proceed with empirical study. Moreover, I also interview with chief of underwriter department of one life insurance company. Wish our conclusions can provides this life insurance company to deal with the underwriting and claim for substandard policies more efficiency.
    The main results are described as following:
    1.By using the traditional ordinary least square model, I find that the death substandard policies will have the higher insured amount than the death standard policies and elder persons also intend to buy high insured amount.
    2.By using the logistic model which the dependent variable is substandard insured be survival or death, I find that the death substandard insured will have the higher age and longer payment year time than the survival standard insured. This result indicate that the life insurance company should enact more prudent underwriting rule for substandard insured with elder age and longer payment year time to avoid risk of the substandard policies.
    3.From the interview with chief of underwriting department, if to control risk is appropriate, there is no negative impact for profit of life insurance company when increasing the business volume of substandard policies.
    Appears in Collections:[保險學系暨研究所] 學位論文

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