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題 名 | 建構團體傷害保險業務品質管理系統的研究:以臺灣個案產險公司為例=The Construction of Group Injury Insurance Quality Management System: Empirical Study of Property-Liability Insurance Company in Taiwan |
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作 者 | 李旭華; 許銘元; 李珍穎; | 書刊名 | 品質學報 |
卷 期 | 24:1 2017.02[民106.02] |
頁 次 | 頁45-59 |
分類號 | 563.74 |
關鍵詞 | 團體傷害保險; 逆選擇; 事前道德風險; 結構方程式; 品質管理; Group injury insurance; Adverse selection; Ex-ante moral hazard; Structural equitation model; Quality management; |
語 文 | 中文(Chinese) |
中文摘要 | 本研究之目的在驗證核保判斷為高風險的團體是否會去購買高保額的保單?而購買高保額保單的團體是否會導致高損失率?研究對象為臺灣某家產險公司2009年及2010年團體保險承保及理賠資料,以結構方程式為研究方法。比較2009及2010年的驗證結果發現,核保政策的推動使身故及殘廢平均保額之逆選擇現象消失。費率政策的落實,也有效的降低了實支實付醫療平均保額及住院日額平均保額逆選擇的現象。有效控制逆選擇的結果,也讓事前道德風險得以降低。研究結果可協助該個案公司建立一個健全的核保制度可不斷改進的業務品質管理系統。 |
英文摘要 | The purpose of this study is to examine whether high risk groups tend to purchase high insured amount policy and whether the high insured amount lead to high loss ratio. The data on group injury insurance from a Property-Liability Company in Taiwan is analyzed from 2009 to 2010 by using structural equitation model. By comparing result 2009 and 2010, the implement the underwriting policy can make the adverse selection phenomenon of AD & D (accident death and dismemberment) insured amount disappear The rating system can also reduce the adverse selection phenomenon of MR (medical expense), DHI (daily hospitalization indemnity) effectively. The control the adverse selection can reduces the ex-ante moral hazard. The result of the study can be used to establish a continuous improvement quality management system. |
本系統中英文摘要資訊取自各篇刊載內容。