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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87332

    Title: 我國傷害保險費率釐訂與監理方式之研究
    Other Titles: A study on rate-making and regulation of personal accident insurance in Taiwan
    Authors: 周志勇;Chou, Chih-Yung
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    廖述源;Liao, Shuh-Yuan
    Keywords: 費率釐訂;監理方式;檢核機制;Rate-making;Regulation;Checking mechanism
    Date: 2013
    Issue Date: 2013-04-13 10:58:03 (UTC+8)
    Abstract: 本研究主要分析我國現行個人傷害保險之經驗,並以臺灣壽險業個人傷害保險年度經驗損失率研究報告統計分析2001年至2008年單一及合併5年觀察年度經驗損失,並與法定監理規範間之差異進行比較及探討:
    (六) 探討目前我國現行傷害保險費率定期檢討調整之妥適性,期能建構保險費率檢核機制。
    This study analyzes the experience of personal accident insurance and personal accident to the life insurance industry in Taiwan policy year experience loss ratio study statistical analysis between 2001-2008 single and combined the observed annual experience loss in five years and norms and legal supervision compare the differences and explore:

    (A) Our current accident insurance premium rate-making the reasonableness of the way, the period reasonably reflect the cost of insurance.
    (B) The appropriateness of the current accident regulation of premium rate, and make sound insurance career development.
    (C) The fairness of our current accident insurance ISCO coefficient period to ensure that the interests of the insured.
    (D) Our current accident insurance death, disability, medical payments association, the period can construct an independent and objective benefit system.
    (E) Our current accident insurance premium rate legal limit and lower limit of necessity, period can benefit from the insurance operating environment in the future.
    (F) To explore our current accident insurance premium rate regularly review the appropriateness of adjustment, premium rate period can construct checking mechanism.

    Finally, the conclusions and recommendations and proposed insurance supervisory authorities and the insurance industry personnel to serve for future reference.
    Appears in Collections:[保險學系暨研究所] 學位論文

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