查詢結果分析
來源資料
頁籤選單縮合
題 名 | 產險業個人傷害保險危險因子分析=An Analysis on Risk Factors of Personal Injury Insurance in Non-life Insurance Industry |
---|---|
作 者 | 周百隆; 姚振華; 石佩琇; | 書刊名 | 核保學報 |
卷 期 | 19 2011.03[民100.03] |
頁 次 | 頁28_1+29-60 |
分類號 | 563.74 |
關鍵詞 | 傷害保險; 邏輯斯迴歸; 產險業; Injury insurance; Logistic regression; Non-life insurance industry; |
語 文 | 中文(Chinese) |
中文摘要 | 這幾年來產險業開始銷售的傷害保險商品與傳統產物保險業務存在極大差異,為有效確保產險公司營運績效、提高獲利能力,實有必要針對投保客戶進行分析,本文擬採用國內某知名產險公司個人傷害保險之資料,進行模型建立與研究分析。經實證結果得知保戶年齡越低,出險的機率越高,出單地區位於中、南部出險機率較高,保戶職業為士(軍公教相關人員)其未出險的機率較高,而保單業務來源來自銀行者,其未出險的機率相對較高。若能有效運用以上相關研究結果,將有助於產險公司在核保與理賠之相關作業流程,提高投保客戶之滿意度。 |
英文摘要 | Recently, lots of companies have started selling injury insurance in non-life insurance industry. There are great differences between these products and traditional insurance policies in non-life insurance companies. In order to ensure operational performance and to enhance profitability, it is necessary to carry out analysis. This paper explores sampling data of personal injury insurance policies from a well-known insurance company, and attempts to establishes a model through use of this evidence resulting in a lower probability of high insurance liabilities, specifically: From the viewpoint of insurance policy regions; there is a greater probability of claims in the mid-region and south; From insurance age profiles; there is a greater probability of higher claims from younger customers; From insurance policy occupations; soldiers, government workers, teachers and related personnel do not have a higher probability of claims; From insurance policy business sources; banks have a lower probability of claims. If these research findings can be effectively analyzed, the results will contribute to process refinement of claims and underwriting and greater customer satisfaction. |
本系統中英文摘要資訊取自各篇刊載內容。